Holding of Amount

Hello Everyone I, Ankit Nigam from bhopal wants to know how can i make a legal complaint against bank for holding my amount 72,705/- for unissued credit card, i am customer of HDFC bank since many years but without my concern the bank had issued the card on my name, moreover i never ever recieved the card till date but bank recovery team from mumbai they asked me to pay minimum amount of 2500/- i paid it through link of payment then they said me your card has been blocked permanently you will not get any calls or bills from nowonwards in december 2020, but yesterday date 18 febuary 2021 when i checked the statement it`s showing that Rs. 72,705/- was being hold by bank i want to know how can i get back the said amount by bank, they said that card has been used i don`t know who issued card in my name and documents, i told everything to customer care & also grievence branch of bank, but bank is saying that you have to pay the amount at any cost of life, tell me what should i do to deal with the bank