Amazon India — i am not received ordered product from amazon but the bank has billed for me with interest

September 28th i have ordered mobile from amazon its a emi order, they not attempted to delivery and without knowing me they returned the product. But i also contacted the amazon customer support. They told me your refund initiated you will get it in your payment method.

But when brought from amazon side they gifted the cashback. That the cashback amount deducted from my previous payment.

I have contacted the bank they told me your emi is not cancelled.

Now, i not received the ordered product but i need to pay emi amount including.

Amazon totally stealing my money using high tech fraud concept.