[Resolved]  HDFC Bank — Unwarranted Penalty Charges by HDFC

I have salary account with HDFC for the last 12 years. I also happen to have a car loan, for which I pay Rs 11177 every month. This month there was some shortfall( of ~Rs400) on the day of deduction, but i had it replenished and the EMi was deducted on the very same day.
Even then, I was charged a check bounce charge of Rs 649. To my utter surprise, there was an additional deduction of Rs 236 citing EMI return charges few days later.
On reaching out to customer support loan dept is asking me to check with waiver from accounts dept., while accounts dept is pining the blame on loan dept. And the only excuse I'm getting is they will check with back end team.
This is a horrible experience and really not expected.