HDFC Bank — Three Times EMI

I I have a complaint against HDFC bank Consumer Durable Loan. I take a loan from the HDFC bank on the year of 2020 to purchase a mobile phone. Every thing is ok. I have only 3 EMIS left. Last month due to some financial crisis i didn't pay the amount on the due date. For which i have to pay the bounce charge. Which is excepted and expected also. After that i try to communicate with them to inform them that i need few day's time through customer care number. But unable to connect them. But again they apply bounce charge against the same EMI. They charge me thrice for one single EMI. HDFC didn't bother to call me or talk to me when i am paying all the EMIS on time. I receive a call from one agent on the 22/23rd of May. I informed him all the issue and i deny to pay unless and until they wave off my extra two bounce charges. He ensure me a manager will connect me soon regarding this issue. But till now i didn't receive any call from the HDFC Bank.

Kindly look into this matter. Three bounce charge for one single EMI is not accepted and expected at all.