Consumer Redressal

Hi Sir/Madam, Please be informed that i am holding SBI Credit Card since 2014 and my card number is 4032506494074453.There is no one in SBI who can endow with a resolution, its been 3 months and still my issues has not been resolved yet . I have started receiving calls from SBI collection desk abundant of times.Due to fault from SBI you have forwarded my name to CIBIL and hindered my banking records. Its been a mental persecute which i have been facing since 3 months and end up every time with empty handed and on the top of that more on charges. In the month of Feb 2015, SBI has charged an annual fees on my card for Rs 4999/- which i never opted for in the form. I opted for Gold card. I received a verification call from SBI for gold card only, however, she offered me to upgrade to Signature card but never informed that i need to pay every year annual fees. Now please let me understand if received call for gold card, and i have signed for signature card then why i was upgrading.