HDFC Bank — hdfc credit card and hdfc saving account penalty

I HAVE TWO ISSUES FROM HDFC CREDIT CARD AND HDFC SAVING PENALTY ON NON MAINTAINING MINIMUM BALANCE

Hi sir, I am V Kiran Kumar, i am facing a problem from HDFC Credit Card xxxx2350, Earlier I had HDFC Credit Card, it was expired on[protected] before that date I lost that Credit Card and I was informed to HDFC Credit Card Team to block that Credit Card. On May 19, 2023, I got a call from HDFC Credit card Recovery Agent, that there is an outstanding amount about Rs. 41, 000/-, I said that my Credit card was expired and I didn’t raise for new Credit Card. They HDFC Recovery agent replied me the new Credit card was automatically generated and every month it is charging minimum amount so requested me to clear outstanding bill.
On May 19 2023, I was cleared Rs. 39, 000/-, and balance Rs.3, 000/- requested to HDFC Credit Card Customer support through mail for waiver off because of even after expiry of existing HDFC credit card without customer intimation/request they automatically generated new HDFC Credit Card and it was not dispatched to me and it was not activated, simply charging monthly. I don’t know the New HDFC Credit Card details to utilize digital credit transaction or physical credit transactions.
What my question is if customer don’t have any valid HDFC Credit card and didn’t utilizing those HDFC Credit Card Services, even customer didn’t activate or don’t know new credit card details which can be able to utilize either physical or digital transaction. Then why should customer have to pay monthly charges. Additionally, they are literally giving mental torcher and impacting on my CIBIL score as well.
Regarding this issue I was escalated through mail to HDFC Credit Card Customer Support many times but no response from HDFC Credit Card end. Simply they are charging monthly now it was increased about Rs. 9000/-.
I was contacted to my HDFC Credit card Relationship manager but she doesn’t know the solution, she told me to go to your home branch they will give solution, On jan 1, 2024 I was visited to my HDFC home branch (Koramangala, Bangalore). but they told me to visit Richmond Circle branch address was not cleared so I didn’t catch the address. I tried so many times to HDFC credit card Customer care through help line but they didn’t know about solution. .
More than 2 years I did not made any transactions even they did not bother about the customer is alive or not. Simply they are generating new Credit Card without customer intimation/customer request, they are charging monthly amount.
(The same issue was happened with indusbank credit card, but they given me Rs 16, 000/- waiver off- if required I will attach that mail copy from indusbank credit card). But in this HDFC Credit card behaving adversely.

[protected][protected][protected]
HDFC SAVINGS ACCOUNT- 501xxx-xxxx-9756

Subject : Charging on not maintaining minimum balance of savings account showing (- Rs 22, 000).
Sir, earlier In 2015, my company was opened salary in
Bank : HDFC Koramangala Branch -iv Block
Location : Bangalore.
IFSC Code -HDFC002777.

After that, I was shifted from another company and my salary account was also changed to State Bank of India (SBI), from that onwards the HDFC Salary Account was automatically converted into Saving account, and i didn’t made any transaction for so many months. The HDFC bank has been charging penalty for non-maintaining of minimum balance in the said account. Now my savings account showing about in negative -Rs. 22, 000/-
I was shocked when I see this negative amount.

I need to resolve this issue ASAP. Kindly do needful.