Kotak Mahindra Bank — kotak credit card harassment

Address:

Mumbai, 400063

I am mr. Devendra damodar gawde using credit card [protected].
I have not paid my payment for two months due to my personal issue. Collection department harassed a lot be half of kotak. I already told them as soon as my salary is done i will pay your 18000 but they were telling me to deposit today only with very cheap and rough language. I have already decide to take all this matter to consumer court.
My issue are
For payment of min 17660 and total 28000 collection department without informing seized my salary account having 45000. You can block 28000 which is may be your money why you blocked my earned money? You were only authorize for your 28000 the bill amount as per my knowledge.
You should stop withdrawal and other activity since you are not owner of my whole money. Why you bounced my ecs. Who give you that rights?
I am middle class person and in problems who are you to spoil my cybill for your profit.
You are charging me around 2200 rs as late payment over limit and interest and etc every month. So why you seized my account.
Above all when my salary done i my self called kotak credit card and told that paying my 18000 in cash (I borrowed it). After depositing money i called and given detail to customer care that deposited money they told not reflected to our side as soon as reflect they will remove the block on account now this is at around 12 or 12.30 noon on 03.04.19. Now after that in evening they deducted total 28000 from my account so extra 18000 from my money with out my permission. Who given permission to kotak credit card to do this? After all this till now my account is seized why? You have taken your payment forcefully then why my account is seize till now? What is the difference between kotak and criminals.
My mom dad are aged and having many illness so if they suffer for anything kotak credit card will be responsible for all consequences. Also i have paid rs 18000/- so reverse the rs 28000 payment immediately. Due to seizing my account what ever bouncing charges i got should be waved. For deliberately spoiling my cybill kotak must be charged and punished. Now i may spend money but going to file legal case and police complain against kotak credit card.

Thanks
For help