Standard Chartered Bank — Credit car loan amount

A credit card loan amount of Rs.2, 90, 000/- and 1, 10, 000/- has been charged in my credit card. This loan amount was not borrowed by me. As i also have a saving account in the same back, the bank is also showing the saving account statement as the loan amount has been credited to my account. According to bank this loan was borrowed in the month of September 2019 and the statement says it has been converted to 60 months EMI amount. But, till day from September 2019 i have not received any card statements against this payment. After enquiring on customer care they say that all the payments till date i.e 45 EMI amount has been received from the bank FOR WHICH I HAVE NOT DONE ANY 45 EMI PAYMENT TILL NOW. The bank is telling me that the EMI amounts has been adjusted against excess payments done. There was no excess payment done by me. I am also not given the bank statements hard copy for both credit card and saving accounts even after multiple follows and requests raised in the bank. No actions has been taken even after personally complaining to customer care and complaint mails .I want the statements to be reversed and amount refund for the payments done against this credit card loan amount .