Loan pre closure fine on my HDFC card but I never took loan

[lion_gowtham]

Basically last night when i was checking my due amount so that I can pay that Amount i saw this unbilled transaction like loan pre closure Dr of 994 rs i never took any loan from HDFC not sure how I got that fine i have attached the ss. I talked to customer care as well they gave me loan number but they are telling they are not able to find this loan details . so they can't help should I pay this fine then?

 

[shantanud]

Take it up to the bank in writing, not call. if the resolution doesn't happen to your satisfaction, you will need to escalate to RBI ombudsmen and you will need the documentation to prove that you have given the bank 30 days to resolve the issue. Dont pay the fine if your contention is that there is no loan to payback

 

[lion_gowtham]

Take it up to the bank in writing, not call. if the resolution doesn't happen to your satisfaction, you will need to escalate to RBI ombudsmen and you will need the documentation to prove that you have given the bank 30 days to resolve the issue. Dont pay the fine if your contention is that there is no loan to payback

I had pinged HDFC on twitter they have this reply
"Hi, according to the terms and conditions, preclosure of Merchant EMI will result in a 3% preclosure fee on the outstanding principal amount. Due to system limitations, this fee was not previously deducted, but it has now been implemented. -Latha, Service Manager"

Not sure which transaction they are talking about if I calculate that pre closure amount i will get some 31k i didn't make any transaction for that much big amount atleast this year.
What should be the next step can any one help