[Resolved]  HDFC Bank — Automatically linked my LIC without my permission and added fine to the payment

Address: Pune, Maharashtra

Website: www.hdfcbank.com/personal/products/cards/credit_cards

I bought a credit card from HDFC bank around 4 years ago. I never used it and never even gave any request to generate a PIN. i got a message 2 years back that due to non usage my credit card account will be closed. So 6-7 months befor, i tore the card into multiple pieces and threw it and all of the sudden i got a statement in June from HDFC bank that payment is due with late payment charges.

I replied on that email 4-5 times but did not get any call back or any email acknowledging my grievience. I also called on the number provided in their email but they said that they are collection department and gave some vague information.

I also send an email to their customer care and also escalated the matter using their online services. i got a reply after 1 week that filled my LIC autolink while submitting application for credit card. My question is that why the payment is made after 3 years when the LIC payment is every year. They are now lying and making excuses

I am receiving reminder emails from them repeatedly. I tried so hard to contact them but they are not helping me and just harassing me for the payment. I do not have any card details. Please help me.