Bank Of Baroda — lfcev deduction from account

Address: New Delhi, Delhi, 110051

I am an education loan holder from the bank of baroda on 25th of march at 23:50 there is a deduction of 1328rs in name of lfcev so next day i called to bank of broda customer care and ask about this he told me this amount can only be charge if i widraw money from bank via slip or cheque if more than 50 withdrawal has done then lodger folio charges is implemented but i have not withdrawn even single rupee either from branch or from atm in last sixth month all transaction i have done through upi and now branch told me this is amount charged because i made no transaction even this include upi transaction as well
Please help anybody
Account holder name:- aanshu sharma
Account number:- [protected]