[Resolved]  HDFC Bank — Refund .Ach debit return charges

I have a salary account in HDFC BANK. But every month they have deducted or debited a minimum of 1500 to 2000 rupees for ACH debit return charges. We all are in the COVID-19 pandemic, so all are having financial issues due to some personal commitments. Hence will delay paying EMI. Anyhow, we paid the EMI within the month.

Without my consent, they have been deducted the amount. How can I manage the financial issues? They never understand customers' situations and concerns.

Kindly refund my ACH debit return charges and do the needful