I was posted a credit card from ABN AMRO bank in 2004. I never used the credit card however on applying a loan in 2010 i was informed that the bank has written off some Rs 1000 (approx) against my name. ABN closed my account in 2005 .

Due to this i could not get a loan moreover since the bank itself has been closed they are not easily reachable. When i have given all details to them, they informed me that they could not locate my data.
I gave them my card number (last 4 digits), name, dob, address, card start date and end date..still they were unable to locate my information. The bank is delaying the process of issuing a NOC now and they are only reachable on email or phone. How can RBI allow banks to function like this

I have been using other credit cards and paying on time however no +ve record of that is there on cibil statement and for the card i never used i have been caused Harassment & Mental Torture.