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ICICI Bank - Credit Card Devision / close account and credit card and now send threatning calls through advocate

1 India
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Icici close our saving account while deducting money as credit card fees which we never apply, or minimum balance penalty, as they open the account with zero balance account. We never take any action whenever they deduct money. Our main fault is that we never object when they deduct money so they harass us after 2-3 years. Where are the employees of icici when they close our account without telling us. They never send us any statement from which we come to know that some amount is due with us. After such a long period they did not even send us the letter they give us a threating call through their advocate they they will issue a non bailable warrant. Is this a justice that someone did not know that he did any crime and all of a sudden he has to think about that what he can do or what he have to do to face such a problem.

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