Bajaj Finserv — illegal deduction of 117 as annual charges without consent

There is an illegal deduction of inr 117 rs which was directly debited from my bank account no by bajaj finserv. When i called up their customer care, they mentioned that the same is deducted since i did not use the card for last 12 months and they called it "annual fees". I have requested for a refund to the customer care executive who has raised a complaint with concerned team at their end. Waiting for their response.

The serious concern here is that these organizations, due to usage of their emi card for purchasing an appliance have our bank details and are insensitive to deduct any amount without our consent or approval. Highly unethical behavior.