ABN AMRO Bank Credit Card — Termed as a defaulter on credit card payment

Dear Sir,

1. I had used ABN AMRO BANK Credit Card for purchases a few years back
2. The Bank levied a renewal fee for the card without my consent when market was flooded with offerings of Life Time Free Credit Cards from all the Banks. I, immediately contacted the Customer Care of ABN AMRO Bank and told them that when the market is flooded with Life Time Free Credit Cards, it is unfair on the part of the Bank to levy renewal fee and the bill the same to me without consulting me. Further, if they interested in me continue using the card, they should waive the renewal fee and other charges related to the renewal fee. When they have refused to waive the same, I had then requested them to discontinue the card and informed them that I would be making payment for actual purchases I have made using the card minus renewal fee and that henceforth the card should be treated as discontinued. The last payment I had made was in April 2005.
3. Recently when I have approached State Bank of India for a Car Loan, they have told me that as per the CIBIL report, there is an outstanding amount of Rs.1903 against my name in one of the credit cards I had used and hence as long as the amount is not cleared, the loan can not be sanctioned.
3. SWhen I requested for details of the card against which there is an outstanding payment in my name, they did not provide the same and instead suggested to me to contact CIBIL online. I have tried one full day to get details from CIBIL online but could not get any details. Hence, I have sent a mail to CIBIL requreting for details of the credit card by quoting the CIBIL Report Control number. Instead of providing me the details the officer/ person who answered my mail asked for details of bank, loan taken and outstanding my PAN no. my residence address etc which are already available in the CIBIL Report. When I have pointed out the same in my reply mail, another person answered and asked for the same details. It appeared as if they are sending a pre-recored mail for such request.
4. The SBI Officer told me that I can ot get loan from any bank as long as such outstanding payment exists against my name
5. This means that I have been termed as defaulter and that my credit ratings in the market is very low due to this.
6. This is an insult to me which is very unfair and uncalled for, without verifying the records appropriately.
7. I feel that it amounts to black mail by the ABN AMRO Bank by carrying such frivolous outstanding amounts in their data bases against my name.
8. Further, CIBIL can not be absolved of their responsibility of checking such outstanding amounts when a request has been made to them and terming me as a defaulter without giving me any chance of representation.
9. Please let me know what kind of redressal would be available to me. if I have to write to RBI in this matter, who should I address.
10. Since, I had discontinued the card in the year 2005, since, I had not done anything wrong in the circumstances, I did not keep the history of these credit card statements and hence, at present I have no details of the credit card number. I have requested the Customer Care Centre of ABN AMRO Bank giving the details of my personal particulars, they have traced my credit card numbar as well as the outstanding amount of Rs.1903/- they have refused to divulge the credit card number and told me that they are registering my request for details of the outstanding amount and that an officer would contact me within 3 working days on my contact numbers (mobile as well as my office land line number). My complaint reference no. with them is [protected] dated 02.09.2009 and the time recorded is from 1031 hrs to 1047 hrs 51 seconds.

PLEASE LET ME KNOW THE APPROPRIATE AUTHORITY FOR REDRESSAL OF MY GRIEVANCE.

Regards