I had taken a credit card no: 5241110000320080 on 19th Jan 2012. Then card was blocked after some months and was not in use till now. In month of july, I got a call from HDFC bank stating that my outstanding balance is Rs 6044. When I analyzed the statements for the outstanding fine incurred on me, I found that this amount was because of compounded late fee fine imposed on me. In analysis, I found that in the month of February 2012, bank had activated one ERGO health policy without my consideration. There was some processing fee and EMI installment for this. As this was imposed by bank without my consent. I was not aware that this poiicy was activated on my name and I did not pay any amount to bank. When I got the ERGO health card hard copy , I came to know that bank had activated this policy on my name without my permission. Then I immediately cancelled the policy. Bank deactivated policy but there was one late fee of Rs 350 on me. Then with in one and half year , this amount became 6044 Rs because of compound late fee every month. So all this happened because of wrong activation of ERGO policy on my credit card without my permission. This is cleaer mistake of BANK and because of this I should not be penalized. For the moment , I have paid full amount to bank so they do not increase this amount any further. But now I want this money bank . Please Help me to solve this issue

I want my Full Amount of Rs 6044 + Rs 2500(Taxi charges) + Rs 200(phone bills) back from HDFC Bank.

Complainant Information
name- Lukesh