IDFC First Bank — After paying EMI again Collection people are calling to us

I am Having one Loan Which age of 6months of EMI. Till now i have paid 3 emi's and my 4th emi which is cost of 1154/- of march-2022 EMI I paid through with Online Payment which they have mentioned in Their application.
My March month emi i paid with Online app because of getting continuous message and due to feb month dates difference i paid in online. after paying the emi also 2nd of march i charged with EMI Bounce and which 590- even after paying the emi amount.
We are got an additional offer which we are getting calls from collection people and they are behaving like rowdies like who told you pay in online like that.
Here i want discuss with many points which is need do discuss and how they are playing with customers.
1. At any where they didn't mentioned what is the amount the amount they are charging for emi bounce(even we pay also) with the name also. which is 18% gst without mentioning at any where in website.
2. They didn't mentioned in anywhere the instructions of EMI's like when we need pay online emi and when we are calling to customer care they telling us after 25th of a month customer can't able pay in online.. have you mentioned any where your website or anywhere in our application.
3. why your allowing people to pay online after 25th. other banks following some the rules after payroll they wont allow to pay in online.. have you mentioned at any where you can tell me.
4. Why collection people is us for amount which we have paid already. after paid successfully status updated in statements also. and blindly how you are allowing those rowdies to call customers with knowing the information.
5. what i can understand i have done mistake taking of loan in IDFC First BANK.
HERE I AM ASKING THIS BANK TO COLLECT EMI'S OR EMI BOUNCE CHARGES..?
IF ANY ILLERATE PEOPLE ARE THERE HOW THEY WILL HARRSED BY THE NAME COLLECTION.

HOW THIS BANK ALLOWED TO PLACE NAME RBI RULES®ULATIONS I DON'T KNOW.

HOW amitabh bachchan BECOME BRAND AMBASIDOR OF THIS STUPID AND WASTE BANK.
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IDFC Bank customer support has been notified about the posted complaint.
Mar 09, 2022
Updated by anu anifha
Who is the responsible for my cibil score.
Mar 09, 2022
Updated by anu anifha
Transaction details of 28th payment: T2202281137241655915963
loan ac number: 53419345.
Mar 09, 2022
Updated by anu anifha
I need penalty for this this is my 1st emi bounce in our career and we are felling very guilty which we got a stupid call from collection people with out knowing proper information.
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