IDBI Bank — Ach-rtn-chrg from bank

Address:

PUNE

I have my SIP on 18th of every month, due to insufficient fund available in my bank account, the bank usually charges 590 rs. but many times they have charged me multiple times.
this month, they charged me 590 X 2= 1180rs. I just want to complain against the system. If cheque is bounced once due to insufficient fund, why y'all charge us multiple times?
This issue has not happened for the first time, it has been several times like 3-4 times. Also, when I talked to the customer help dept. they said they got some system failure from their end so couldn't track the charges.
I would request consumer forum to look into this matter.
thankyou.