Consumer Redressal

I had SBI credit card some 3-4 year back which I lost in the month of sept.-oct month along with my wallet and other ATM credit cards. I immediately intimated SBI authorities and Block my card. At that time my statement showing credit of rs.10. which means I have 10 rs. over payment with SBI. After that in the march of next year when my fee of rs.250 for sbi card is due they charged me and ask me to pay. Now why should i pay that fee when my card is already clyahoo.c.inosed in sept of last year. Now that amount is increasing and is now showing around 3100. I s this not cheating /fraudulent action by SBI credit card authorities. They have impacted my CIBIL score also. I do not understand that why CIBIL authorities have lowered my score without explanation from me what kind of agency is this. I do not know how and whom to complaint about it. I want my complaint to be send to RBI for solution. Also they contacted me for this amount but when I explain to the representative h told me this is a meagre amount please pay.. i do not understand why should I pay any money which I do not spent and is not due on me. Can anybody help.