HDFC Bank — payment return fee charged after paying

Address:

Azamgarh, Uttar Pradesh, 276121

I have a jumbo loan of 45000rs on my credit card. This would be my first payment to the emi. I paid the due complete due amount emi bedore the due date. When the due date passed out, what i see is i have been charged 450rs as payment return fee on the statement. After enquiring on google i found out that if we have auto debit we r not suppose to pay it ourself or else they reverse the payment and charge this fees. This is such pathetic a pathetic system . Now its a waste of my time to contact cuatomer care and wait for the issue to be resolved.

Cust Id: 61863646
Ac no: [protected]