ach-rtn charges unnessary debit my account

Cust iD-97930548.
Ac no – 1938104000099679.
IFSC CODE -IBKL0001938.
Name – Naveen Kumar B N.

Hello sir ,good morning i am Naveen Kumar B N ,Dear sir ,Ach -RTN 590 2 times charge as been deducted my account .i had the sufficient fund for loan repayment ,still loan check was bounced and bank was charged me 590 2 times ,which is unethical and not as per RBI guidelines ,hence requesting idbi bank to reverse immediately reverse the charges at the earliest.