Bajaj Finserv - Issue with EMI Deduction

My Grievance is with the Bajaj Finserv Team, selling Zero Cost EMI.
Sir,
I have purchased a Zero Cost EMI Card from Bajaj Finserv desk located at Ruby Hall Clinic, Sasoon Road, Pune in the Month of April – May ****. During the initial process I was not intimated about the EMI dates which falls on *nd of every month. I was asked to go for ECS clearance from my Salary Account. My salary gets credited to my account on *th of every month, hence the initial * EMIs bounced, but I cleared the EMIs by paying the penalty charges levied on me by the Bajaj Team.
Meanwhile I started getting several calls from recovery agents and customer care executives. I have also requested the Customer Care Executive to change my EMI due date from *nd to **th of every month, which was denied upfront.
Few days later the recovery agents started calling me to start paying EMIs in advance to avoid penalties. The agents even introduced me to the Mobikwik Bajaj Finserv App and asked me to pay the EMIs through this App. I paid one EMI through the App and got a response from Bajaj Team that the EMI payment have been received them.
On **th Aug **** I got a rude call from the recovery agent asking me to pay EMI in advance since *nd Sept **** is bank holiday. I paid the EMI on **th Sept ****, so as to avoid such unwanted calls.
Mid of Sept **** I got call from the recovery agent asking me to pay the fine since my EMI due on *nd Sept bounced, I was surprised and asked them to revisit their records since I paid the EMI in advance.
**th Sept **** I got a call from the recovery agent again, asking me to pay EMI in advance so as to avoid penalty, as *nd Oct **** is a National Holiday.
On **th Sept **** when I opened my account I was shocked to see that I have been penalized an amount of ***/- against late payment for Sept **** EMI. The one I paid in advance on **th Aug ****.
I paid the whole amount including the penalty charges on **th Sept ****, this time I got a mail communication from Bajaj Team confirming the receipt of my Oct **** EMI and Penalty Charges.
*st Oct ****, I get text messages from the Bajaj Team asking me to keep my account funded so as to avoid EMI bounce.
I am taken a back after this text, why do I need to keep my account funded when I am paying the EMI in advance.
I have repeatedly communicated the Bajaj Team to stop my ECS clearance option as I am paying them in advance and henceforth will do so through the app.
My grievance to which none of the concerned authority from the Bajaj Team could solve are as appended below:
Why have I been penalized after paying EMI in advance?
Why is my ECS clearance not being stopped after repeated mail communication? (When you could block my card after EMI bounce).
Why am I receiving Calls from recovery agents to Pay EMI in advance?
Why after paying EMI in advance I receive text message to keep my account funded?
Why is my confidential details (Phone Number, Address Details and other data) shared with the unprofessional recovery agents, who knows every detail of mine and even threats to come and collect cash from my address that too late night?
Note: This is not only my concern, check the social networking platforms what people say about the services you guys are offering.