ICICI Bank — ICICI Bank Auto Debit Return Fee Levied despite of the payment

Address:	Rangareddy, Andhra Pradesh, 500072
Website:	icici

I am using ICICI credit card since last 2 months and make manual payments at the end of each month before due date

Similarly, I made a payment on 10th Jan 2017 and in my CC statement its mentioned auto debit return fee and service charges INR. 647. When I enquired about these charges bank said that I have auto debit facility opted on my account and due to insufficient funds charges in my linked savings bank account.
I clearly told bank:
1. I never opted for Auto debit how come it was applied automatically. They don't have any proof to show ...no KYC document and No request number.

2. I told them, sufficient funds were parked in my account on 10th jan itself and I paid the same on my due date i.e. on 10th Jan
bank is saying auto debit is executed 5 days before due date
- As per the details, sufficient funds were there and payment was made on 10th Jan. Its bank issue why payments were not made or auto debit was not able to realize/check tthe balance in my account

Please assist me out. I am not going to pay these charges at any cost.

Will switch to other bank as soon as possible.