You are being harassed wrongly by Debt Collection Agency for the amount that you did not spend on your credit card. Write a letter to Banking Ombudsman Department and escalate the complaint. In your letter, introduce yourself describe what happened say what you want the officer to do

Dear Sir, I am writing
this
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letter to express my deep
greviences
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grief
about a debt letter that I
have
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apply
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received yesterday on my
door step
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doorstep
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which
exhibit
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exhibits
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the amount which I have not spent . My name is Harvi and I am living
in
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at
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41 Munch Avenue Cambridge, Ontario
and
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apply
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the
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my
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postal code is N1R0 56 . I have a credit card
of
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from
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your company
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however
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, however
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,
last
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week I lost it . I called
the
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apply
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customer care to inform
about
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them about
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the
lost
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loss
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on Friday
however
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,
firstly
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they put me on hold
then
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hung up ,
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then
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and then
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the weekend
had
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apply
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arrived so ,
i
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I
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was unable to contact your company.
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Although
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However
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,
this
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is not fair to send a bill to me because I didn't use the credit card and it is my humble request you
to
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cancel the card so ,
no
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that no
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one will misuse it
near
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apply
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in future , please dive into
this
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matter and try to find the real culprit . I am looking forward to hearing from you . Yours faithfully SAM

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Grammar
Check spelling mistakes, such as 'greviences' - it should be 'grievances'.
Structure
Make sure each paragraph has one clear idea. Start a new paragraph when you move to a new point.
Clarity
Be clear about what specific action you want the officer to take regarding your complaint.
Content
You clearly introduced yourself and provided contact information.
Tone
You expressed your request politely, which is good for formal writing.

Use a variety of complex and simple sentences

You should use complex sentences in your writing, but it does not mean that you should try to make all of our sentences complex.

‘Complex’ sentences are not actually very complex; they are just two or more simple sentences put together. Putting them together makes the essay more coherent and cohesive.

Examples:

I really want to study but I’m too tired.

I wore a warm coat because the weather was cold.

If action is not taken soon on climate change, global warming will get worse.

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