Kotak Mahindra Bank — Auto debiting without my consent

Address:	600017
Website:	www.kotakbank.com

My CRN no 21290760, have recently got credit card from Kotak bank. During last month my outstanding was around 24000 which I was supposed to pay by 26th of January (due date). However there was a auto debit attempt by Kotak on 23/01/2016 for the outstanding. Have never given my consent for auto debit nor there was any intimation from Kotak bank that auto debit will be made on such date. Due to insufficient funds auto debit attmpt was failed and 500 Rs. was charged to my Cr card as penalty.. This is completely unfair trade practice on Kotak bank for auto debit without customer consent. Worst private banking services experienced.