State Bank Of India [SBI] — Unnecessary ecs charge deducting from my account

Hi
I am shailendra nagar i took a personel loan from zestmoney that was close on 04-january-2021. but on 01-February-2021. sbi deduct rs.295 for ecs return charge from camden town(zestmony). and they are saying that it is dedcut for 29-august-2020 emi bounce charge. but on that time moratorium period is running so how they charge to me like this plz check and do need full action as soon as possible.
I am attaching my bank statement also with this note.
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