HDFC Bank — Unauthorized Debit - RTN Charges

I have an HDFC salary account and get a personal loan from HDFC Bank I paid every month EMI, but once I couldn't maintain the balance in the account and that time I was charged with an overdue charge which is around 649. Now, again they charge me 236 rs for EMI RTN charges. If I have already paid overdue charges then why HDFC is again charging with EMI RTN charges.
Name: M Umesh Kumar
Mobile No: [protected]
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