HDFC Bank — Ach debit return charges

Address: Jaipur

My salary account in Hdfc bank and my account debit 2950 ach debit return charger why are you debit my account Rbi Bank relif 3 month emi but this rubbish bank my account debit 590*5= 2950 debit and naraion ach debit return chahrge and I follow morations covid 19 I request Bank team pls refund this amount without branch visit and RBI complaints