Zestmoney — My bank charged me 2315rs due to zest money reckless

I have took a loan of nearly 70000rs from money to shop in Flipkart on 29th September and when i was creating the account it was mandatory to activate auto-pay and they clearly mentioned my due date is 5th os November... I am a student not a salaried so I've paid my loans 1st emi on 5th November as it was mentioned i.e, 28320rs and my balance was 7679rs... Due to zest money reckless they activated auto-pay in my account even after paying my bills in time and due to low balance my bank has charged me 2315rs as ecs charge... When i contacted my bank they stated that zest money activated auto-pay and in order to that we proceeded and when we were trying to debit the 28320rs from your account due to low balance i.e, 7679rs we had to charge you 2315rs they mentioned... It was their duty i don't have any complains on my bank... Then I've contacted zest money helpline... They are blaming me now... They are saying like if the due date is 5th of the month then you've to pay on 4th evening ... Creating new terms and policies based on the situation... They didn't warned me or intimated me this before ... 5th of the month doesn't mean 4th evening... They are not sticking to their terms and when i again asked them ... They are more saying that I've activated auto-pay so the back charged me... It's so unfair that I'm suffering due to they reckless... They have to check and update it on time to time... I am a student it's so unfair like even after paying on time they tried to deduct the money for the 2nd time... I've attached the screenshots for reference... I hope as the mistake is committed by zest money they had to pay me...