[Resolved]  State Bank Of India [SBI] — SBI Credit Card unbilled loan prin transfer

Greetings!

I purchased a product from Amazon through EMI using SBI Credit Card on 16 July 2023 amounting to ₹13, 609.09. But the product was not delivered and the return was effected by Amazon, which was sent back to Credit Card account on 02 Aug 2023. However, my EMI was still being deducted.
As I wanted to close this particular card, I wanted to end the EMI too. For this, I sent the entire due amount of ₹14, 324 on 28 Aug 23. By now, my account had an excess balance of around ₹13, 000.
But I realised that I have to foreclose the EMI to end it. On speaking with the customer care personnel, I got the EMI foreclosed. At this time, I was told that, the foreclosure charges will be deducted from my credit and the rest of the money will be sent back to me.
But now I received a statement where the credit amount of ₹11, 479.42 is shown as ‘unbilled loan prin transfer’ and the due amount is given as ₹608, which is the foreclosure charges.
On contacting the customer care, they say that I cannot get my money of ₹11, 479.42 back because it’s unbilled and it’s the last statement for the card.
And if I want to maintain my CIBIL score, I have to pay the additional ₹608.
So effectively, I will be paying ₹14, 217.09 for a product which I never got!
I am an Officer in the defence and such actions by State Bank undermines the confidence in the State structure.