ICICI Bank — Auto debit return fee charged unethically

It is unethical on part of ICICI Bank to charge me around 550 rs in the name of auto debit return fee..
I had made payment of 21000(for online card booking) using credit card and was due to pay 21000 on 22 march 2022 and when I cancelled my booking i was refunded 18900 rs and remaining 2100 rs amount was there in my account and i paid that from my savings account ..
But ICICI bank charged me 550rs as auto debit return fee when i had already cleared my dues
IT IS VERY VERY VERY UNETHICAL ON PART OF ICICI BANK TO FOOL ITS CUSTOMERS AND DUPE THEM