Complaint regarding Refund of EMI Flexi pay amount SBI Credit card

This is to inform your that on Nov 2022 I booked a EMI Flexi pay for IRCTC of 14300 but on next credit statement they included the full amount i.e 14300 and one more emi amount of 3565 i.e 17800 they debited full amount when I inquiry they refunded my IRCRC booking amount in my credit balance instead in my sbi saving A/c  , and from last 7 months they are generating my bill including my EMI amount , repeated mail was dropped to nodal office and c care but no appropriate response,  sir its my humble request is to refund my amount which they allredy  deducted and refunded in my credit balance and deduct my emi amount from my bill generated