Karnataka Bank Ltd — Ach return charge -590

Address:

Durgapur

Sir I have Amazon pay latter account with axio partnership..I already pay all my dues in time in manually repayment but now I am seeing that Karnataka bank charge me 590 RS for 11 time Ach ret charge ..total 6490..I am a student with financial problem that's why I am using pay latter account for recharge and pay bill ..but is bank charge me 6490 RS as a ach return how can I manage my financial problem..
My account no -[protected]
User id[protected]
Iffc code- KARB0000211
MOBILE NO- [protected]
NAME- Arnab Pan
C/o - Jibon Pan
Branch - Durgapur Branch