HDFC Bank — EMI started without Notifying

I've Purchased one item from amazon on December 2022 (Date is around first or second of December). and returned it the same day i got it because of faultiness.I've used my friends credit card and i thought amount will be credited from amazon to card after cancelling returning order, and same happened .But in the bill Emi started without our knowledge and we only found it recently .also my friend payed bill on exact date without checking bill.So when third emi came he checked his bill as there were no other emi's were pending without his knowledge and he found this.We complained to amazon and HDFC credit card department and got cold responses.Total amount is 9596/ and we think the emis are 3156+199, 3198, and 3241.12 with its interest.Need help to solve and need refund with clarity in these emis as we are doubting that these had happened before to us.