What's Wrong with HDFC

This Account was closed by the client as can be seen below.
Incidentally this is the second closure slip as after the first closure, they kept sending reminders and charging a fee for not maintaining a minimum balance.

They have subsequently been sending reminders of the account status as below

and now they send a Credit Card for a Closed Account. Is this part of a deliberate strategy to con customers and then levy charges as Fines on some unknown pretext. Is the Ombudsman listening

And now today they issue another warning as below screenshot