HDFC Bank — EMI RTN charges

Hello sir, Yesterday night without my knowledge they took off my balance, i cross verified that the bank statement they mentioned like EMI RTN Charges September, September emi charges you have to deducted on September month only, but they are deducted my amount on dec 2022. Please kindly take action and refund my money back. Because am maintaining money every month, but y they are doing like this, this is not good. kindly take action. am not have too much of money also, but am maintaining my balance this not okey.