HDFC Bank — Ach fee cut the account of 9 times

Address:

ward no 5 ram nagar gohana, Sonipat, Haryana

I have a saving account with hdfc bank. I have using auto-pay option with bajaj finserv. But i have sufficient balance in emi date but credit card hold my account same date of emi my account balance is 12932 but credit card hold it is only show. so i have been charged ach debit return charges of rs (590rs 1 times 649rs 7 times 531rs 1 times) and total 5664 rs rs is deducted from my account and my total emi amount is 5381 now my balance is showing -328 rs on 04/10/2022.

I have called customer care and they told me that this amount is deducted because of payment bounce.

Hdfc bank has to return this money.

Please help me resolve this. People are losing trust in public banks and now these banks also!!!. Although it doesn't make a difference to hdfc bank for sure, but i will close my account if it is not returned. If auto debiting is a service you provide as a bank, then it is your duty to inform me of the charges for the same. You must give me a warning that if funds are insufficient you will be charged. Nothing was there.

Please please help me resolve this and return my money.