IDBI Bank — ACH RTN charges deducted for On-Time Paid EMI

Address:

Plot No. 12 18, Seethakkathi Road, Mogappair East, Chennai-600037

Name : RAJ KUMAR D R
Contact : [protected]
Mail Id : [protected]@gmail.com
Customer ID : 90289626
Account Number: [protected]
Branch Name: Mugappair IDBI Bank, Chennai, Tamil Nadu-600037.

Respected Sir/ Madam,
I have taken loan for Mobile and Earpods from IDFC First Bank
The April month EMI amount has been paid on 2nd April 2022 but IDFC portal wrongly raised and bounced check 4 times
Reporting to IDFC First Bank they refunded Bouncing charges
IDBI also raised bouncing charges ACH RTN deducted 3 times on 11 May2022
I reported to the Mugappair IDBI bank, there is no proper response or procedure guidance
They were like we'll take it again for the 4th time deduction.
The way they treat me is not nice.
The way they answer is not the way to treat customer.

Paying EMI on time is a mistake or what?
How can on time payment cost me so much ?

I want my bouncing Charges back soon

Take a remark as Poor Customer service at Mugappair Branch

Kindly refund ACH RTN Charges or Let me know procedure of refund
The proof for EMI Payment and returns from IDFC First Bank has attached below

Proof
1) Proof for IDBI Bouncing Charges (ACH -RTN) 3 times 590 (590 x3 = 1770)
2) IDBI Account Summary
3) IDFC First Bank Loan EMI Statement
4) IDFC First Bank Bouncing charges Deduction
5) IDFC First Bank waved off (Refunded )