Punjab National Bank [PNB] — Charge dispute

I try to add 555 and 550 in my amazon account by amazon upi id [protected].
Amazon id : [protected]@gmail.com.
But it show incomplete payment. Merchant said your bank not give payment it's bank issue bank will refund you you contact your bank. And my transication history show only 555 deducated from my account but amount deduction is 1105 what i can do another problem is that i have saving account than how it get in negative balance when my balace get zero then it have to stop next transication then why it show negative balance pls help me my 1105 rps deducted. And balnce got negative so I want charge dispute for that transaction when money get refunded .pls help and what I do my saving account gone negative balance