Flipkart — EMI conversion is failed from Flipkart

Hello Sir/Mam,
I took laptop (order id OD[protected] on 8th September 2022 on emi but when I checked my bank statement It is not converted to emi . I called to flipkart initially they told you call to bank and if they need any proof we will provide that proof but when I called back to flipkart they told it is not converted from flipkart end only which was very shocking for me now they gave me 4 oct to resolve the issue but it's not solved later again they gave me 5 oct but again it is not resolved now bank told me they will charge penalty now who is responsible for it who will pay that penalty. Kindly help me to resolve the issue.