State Bank Of India [SBI] — reversal of emi

On 4th may. 2018 i made 2 payments to another bank of my father (Jivan commercial) which was supposed to be used for emi for a vehicle loan. This has been a routine for more than a year now but this time something really weird happened. This month i had no emi due because i made 2 payments but just to make sure that balance is more than required i went to the bank (Jivan commercial) and asked for a statement. To my surprise there was no balance plus the last month's payment was also due.

I specifically remember of transferring money on 4th may then what happened? The stupid bank (Sbi) reversed my both transfers on 5th of may without even sending a message or notifying my in anyway. Generally they send useless messages everyday but this, they forgot.

Now, who is suppose to pay the late fees for emi that was supposed to be paid last month.