HDFC Bank — ach debit return charges and very poor service hdfc bank

Address: Jaipur

Dear team

I request to you please solve query my i am very danger sition my issue that my account is hdfc bank and every month apr to july my account debit ach debit return charger and i am taking all emi moratorium why are debit my account ach debit return charger and i apr to till date every day mail send hdfc customer care and call but don't respond i request again plz plz refund this debit charged