IDBI Bank — penal charges on my account

Address:

201301

I am a student, when i wanted to get a educational loan i was approached by idbi bank, the staff there assured me of the loan and convinced me to get an account open, i paid 5000 rs for that. But its was so heartbreaking when they denied the load and the staff to was very unresponsive, so i withdrew that 5000 rs. Now that after 2 years i have noticed the bank have put a very large penal amount on me for 0 balance. It is very shameful, firstly you made me open an account in the term of providing an loan, now i am being imposed with a huge fine, very disappointing.