Bajaj Finserv — Bounce charges

An amount of Rs.1475 debited from my account as penalty charges on 17th July and 18th July of amount 295 as 5 times. But an emi amount for this month is already debited on July 3rd from my account. As iam very clear that I paid my emi for this month before then why these penalty charges apply on 17 th and 18th of July. Why should I pay emi twice in a month as I already paid it. I need a clear explanation for this bounce charges for paid emis and I want my money of RS 1475 to be refunded