Indian Bank — money deducted from account but not refund

Address:Chennai, Tamil Nadu

I book my train ticket but that ticket is automatic cancel and my 3800 ducted from account but that money not refunded.2 days before problem. I am student so, send me money immediately.
Aftet that when i add money in wallet then otp not comming so very bad service for indian bank when my money come to bank that time not inform me not send me msg but i give him my registered numer but he never send me any information so, you return my money and next time you you msg me
Thanks
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Gold loan i got last year and i was paid the amount and taken back my gold.
But still in my credit score it showing 90000 outstanding.
Attach pic for your ref.Please kindly confirm and clear .

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    PB No: 5555, 254-260, Avvai Shanmugam Salai, Royapettah, Chennai, India - 600014
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