Bajaj Finserv — Deduction of excess monthly EMI from bajaj card

Address:	492001
Website:	www.bajajfinserv.in

I purchased a smartphone make Vivo V3 Gold on 13/09/2016 through bajaj Finserv under EMI Scheme without any interest. It was agreed upon that the total cost of the phone amounting to Rs.15, 000/- will be paid by me in easy instalments. However, while going through the monthly statement of Bajaj Finserv, they have created two loan accounts i.e. one for Product 454DPF27477016 and another Digital Fone Safe 454DFS27477051 and EMI were deducted from my bank accounts for these two accounts. I could not understand the same. The total EMI deducted so far exceeded the cost of the phone.
When I have not submitted any document for insurance etc., then why there is deduction for more than the total phone cost. Please explain the reason why your financial division is cheating the customers. Please resolve the issue and pay back the extra amount over and above the total phone cost.
GOPAL, RAIPUR