HDFC Bank — moratorium fraud

Address: No. 5 12, Mount Poonamallee Road Near Chennai Trade Center Nandambakkam 600069

Moratorium applied in month of May 2020 and received a SMS regarding that April 2020 EMI will be refunded within 30 days.But I have not received and amount to my account.I have managed and paid the June month EMI but I could not pay July month and I also informed phone banker that kindly refund the April month EMI or deduct the July EMI from April EMI amount, but nothing happened yet.But I have received a SMS that to pay overdue charges for July month EMI.They are kept the July EMI amount on hold in my savings account i.e(The account shows in minus emi amount). I would like to take necessary action against such fraud.