Bank Of Baroda — issue of bob card no [protected]

Address: Anil Kumar Harlalka ,Purbi Complex A.T.Road Near pan bazar over bridge Guwahati-781001, 781001

Kindly look into the matter and at least go through my mail so that you can understand the problem and can provide me the solution of the same.
my statement of the said card is attached for your reference and the points from my side are
1) if you go through my statement from the beginning till feb 2010 i had never default any payment against the use of my cards.
2) on Jan 2010 i had highlighted to the Bank of Baroda card department in Guwahati fancy bazar Branch that my card had got some wrong deduction of a certain amount on a particular date to some sally sallon or games.com which i had never use and it was going on from may 2009 till feb2010 and after my complain it was stopped deducting from my card but the refund of the same was not solved by the card department of yours at that time and they keep on telling me that it will be resolved very soon so i stopped using the card from Feb 2010 and waited for the solution but no solution was done and instead of that i was charged some amount for delay of my balance payment so on 24th July 2010 i went to your bank office Bank of Baroda at fancy bazar guwahati and ask them to take the card and settle the same as i did not want to get more tension as i had never taken such type of pressure so the person who was sitting on the desk at that time i do not remember the name he settle the amount Rs 4161 and deducted the same from my bank account and transfer on the card but not given me any document and told me that it is settled and taken my card and i thought it was settled and after that their was no communication was done to me till the year 2018 but from last 6 month i am receiving call regularly to settle the amount and from my CIBIL report i came to know that i was declared as willful default .So, i really want to understand that what wrong i had done and how i become willful default where i had surrendered the card to your bank on 24th July 2010 with a amount of Rs 4161 which he himself had calculated and on that day the balance left was rs 3430 and a person whose bank account was in Bank of Baroda and my amount was always auto deducted from my account and when i had never done any default for the said card and also where i myself had submitted a card to your bank and the amount was deducted by the person from my bank account as rs 4161 at that time he can able to deduct the entire amount but he had told that is was a settled amount to close the card as i had complained for a wrong transaction done in my card by someone so he had settled the same and surrendered my card and from that day their was no communication nor any statement was received from my side .
Kindly look into the matter little bit seriously as due to this problem my CIBIL report is badly affected and i am facing huge problem to get a loan and drive my business and that also i had done no wrong from my side if you really check the facts and figure of my transaction .
Waiting for your urgent reply and solution of the same.