My father got an ABN AMRO credit card back in 2005 when he was told that there are no annual fees. Of course, that was a lie. After the year was completed, we received notification of charges. We realized we were lied to, and when we fought with the bank, they kept adding charges for non-payment. After a while, we came to an understanding with the bank, and we were told that the card was closed and the charges waived. This was many years bank and we never received any written communication. We were under the impression that this was closed.
Now, after 17 odd years, when we applied for a car loan, we came to know that on the 31st of July 2022 this bank somehow added my father in the defaulter list with CIBIL and damaged his score. This is clearly malpractice and someone needs to teach them a lesson. Please help.