Credit Card Payment

I received this message via WhatsApp. Dear Kotak Credit Card Customer as your account is into a higher defaulter list and account is on a non-payment list since 2 months. So The F.I.R was registered at your residing address in Bangalore local police station , case no 146/2020 under section /406/138/420 of IPC.I am forwarding you today by speed post to you local legal department. Proceeding on completion of the investigation at Bangalore which led down the charge sheet against the accused person under section 429/405/138/420. of PC I whether the accused cheated the informant by falling to repay dues which he had taken on a Credit card debt the informant and hence label to be punished under IPC section 429/406/138/420, Regards (LEGAL DEPARTMENT) Now company will taken action (F.I.R.) on you or your reference member also. I have clearly mentioned over the mail to Kotak Bank saying I'm unemployed, I became a victim of online job scam and have lost huge money and there was Medical emergency as well. But they are not considering this, I'm disturbed mentally. I requested them as I get job the first thing is I'll start paying bill in EMI. Please help me