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HDFC Bank — Savings Account - ACH Return charges without any reason

My account got debited on 15.10.2021 & 17.02.2022 (2 times) with INR 531/- reason showing in statement is ACH Return charges - but i dont know the exact reason behind this. I am asking with all possible ways (Twitter, Calls, Emails, Visiting branches) but staff is unable to give me valid reason. - Please give me valid reason or return those charges

Name on account - Kunal Waikar
Registered Mobile No - [protected]
Registered email id - [protected]@gmail.com
Customer ID[protected]

Thanks & Regards
Kunal Waikar
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