[Resolved]  ICICI Bank — Credit card and savings account

I had a due amount on my credit card for which I was paying till April 2020, after which I received no communication regarding any outstanding amount. They are sending my credit card statement to my office email ID which I do not have access to as my office is shut due to covid 19. After so many months of no communication regarding any outstanding amount, I get to know that they have 28000 outstanding against my credit card and they have put a lien on my account. Since we faced a lot of losses and salary cuts during covid, I was not in a position to pay the amount. The manager from thier department called me and argued for 45 mins. No one from any of the team was ready to help me, they simply cut down my phone without listening to me. I borrowed money from one of my friends to pay the minimum due amount of 12000 and rest to pay my rent and grocery, as the manager from the Credit card department was not ready to help me unless I pay atleast the minimum due amount saying it was "company policy". She said she removed the auto debit facility from my account and that was the only help she could do. When the borrowed amount I got in the account, immediately they debited 28000 from the account, leaving me with a balance of 0 in my savings account and leaving me in deep trouble, as I am the only source of income in my family and I have a family of 4 to take care of. How can the bank debit the whole amount when there was auto debit was off, and without asking my permission to do so??? You dont want to help people out during pandemic that is ok, atleast do not leave people in deep trouble!! I need a resolution to this right now, and I want the 16000 extra to be reversed to my account, so that I can carry out my bare minimum expenditure. I cannot believe that a bank big enough can be so ruthless and careless when people are facing job cuts and salary cuts. Instead of helping out financially, they are overburdening you without giving any flexible options. I need this to be resolved, and 16000 to be reversed from my bank account at any cost.