Axis Bank — about car loan ecs bouncing and no intimation for 3 months

Address:

Nashik, Maharashtra, 422306

Dear sir/ madam
I am avinash rahane, nashik. I am an account holder of axis bank and took car loan.
Account no. [protected]. Customer id:[protected]

Today on 12th jan 2018 your representative called me to maintain balance and inform that the
Ecs of september, octomber & november 2017 were bounced.

I should know this in the september 2017 itself. Why so delay to intimate in the month of january 2018?
I have complaint against no intimation of bouncing ecs and so the unnecessary penalty charges of 590.
It also show my bank account record as not good.

Request to look in to matter and carelessness and the penalty charges applied