Mobikwik — Harassment & delayed in refunding my money that they took from bank wrongfully

Today is Dec 31'2022, On 23rd Oct, I clicked on Wallet to Bank option from their app, instead of that happening they took amount from my bank account for no reason, and added to my wallet. When I complained them about it, they removed amount against wallet, they took the amount against my wallet on 4th Nov, but that Rs. 4686 didn't get back to my bank account. Over that I had also loan from Mobikwik of 20k so I keep getting calls and messages from them to clear the due of Dec month of amount 3102/-. Now when you couldn't refund my amount back for past 2 months, how do you expect me to pay you over that.. When I speak to customer care they just say that it will get refunded within 24 hrs or 48hrs. but it never does. And the people who are from loan dept. keep threatening me or even went on to abuse and get vulgar. they sent me legal notice and now also threatening to send field collectors to my house to collect money, even after knowing about that 4686/-. not just that, they are even messing around with my bank, by crediting and debiting the same amount and i don't know how but they made it auto debit and now i am being forced to pay ECS charges. this is my number: +91-[protected]. Help me deal with these jerks.