Kotak Mahindra Bank — Kotak Car Loan CF- CF[protected] Failing ECS

Address:Chennai

My Car Loan no. CF18729693 is integrated with ECS with my Citibank and funded enough. ECS is not functioning properly from the Kotak side. I have been penalized every month, even after supplying the bank statement with fund availability. Kotak charging as check bounce and messing my credit score, Called customer care .ref 1-[protected]. No one is addressing. Is there a way to change my Car loan banking?
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