RBL Bank — rbl credit card - loan

This is my repeated complaint for the same and no response received yet from bank.

I have a credit card of this bank and applied for a loan last month on card. I have not received any confirmation of loan approval/rejection for next 20days and sudden I got a message on 26-Dec-18, that my loan amount of Rs.1, 50, 000 has been NEFT to my Bank Account with UTR[protected]NOCD1120, that amount I have never received, also they have raised a loan on my credit card statement and same limit has been reduced on my card.

I have tried to their so called wrost IVRS system to resolve my issue but out of 10 calls 9 times it says busy even 9'o-Clock evening and 1 times when connected we never find any option raise our problem, finally when I find to talk to those guys 7 days ago, they promise to transfer this in next 24 hrs. but after again 7 days. I have not received any amount into my account,
My Card statement will be generated on 13th and Bank will add EMI of that loan, why do I will pay that.

But now I am not interested to get any loan from this kind of poorest service bank. And want to drop my loan request.