IndiaBulls — Dhani app loan fraud

I have dhani one freedom card i did below transactions

26 july 499 rs (i cancel order and refund in card again, i paid first emi 167 already which i not use)
amazon Refund Reference # 30005412081207172670822 (refund on 31 july)

31 july 499rs (i cancel order and refund in card again, i paid first emi 167 already which i not use)
amazon Refund Reference # 30005412151212002680913 (refund to card on 7aug )

why pay emi if i not use it and refunded to card already

2 aug 423 rs (i use it, 141 paid, 141 paid + 140 pending)

4 aug 126rs (iuse it 42 paid, 42 paid+ 42 pending)

4 aug 50rs (17 paid, 17 paid +17 pending)

25 july subscription fees i paid 199 already - as i not use card bcas os this issue so why add this
24 aug subscription fee 199 pending as i not use card bcas os this issue so why add this

why i pay for whic i not use,

my total spend is 423+126+50 = 602 and 197 i paid already

why i pay emi for first whic 499 & 499 whic i not use

kindaly clarify me or call me [protected][protected] gopesh