HDFC Bank — Many times ACH return charges happened in a month

Hi Sir,

I am having Salary account in HDFC Bank, In the Month of October 2020 three times some amount like rs.580, rs590 and rd580 got deducted from my account, again in the November month two time money got deducted, i am not understanding for what reason they are putting this return charges, if its one time its fine but from within the span of a month 5 times money got deducted.
I have taken loan from HDFC and only once i delayed for paying EMI in this pandemic situation even that EMI i paid with the charges also

Please help to refund this amount ASAP since i am facing so much financial issues.

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