Bank Of Baroda — unnecessary deduction in my account

Address: 600100

Iam complaining about my unnecessary deduction in my account everymonth nearly rs.500 past 2years without my knowledge. I have inquired the bank. But they are saying some insurance plan activated in your account we can cancel the plan but it will not refund the deducted amount. Without my permission how can they deduct my money. I need proper explanation and refund my money 100% with my money and penalty rs10000 with in couple of days if my money not refunded means. Ill move for further step or file a case complaint against bank of baroda to consumer court for charging in my account unnecessary. I have mentioned the details below for your attention.

Account name : r gajalakshmi
Account number : [protected]
Bank name : bank of baroda
Branch : medavakkam chennai
Pincode :600100