Regarding pmay subsidy

Sub : Regarding PMAY Subsidy This is with reference to my PMAY subsidy application as per the online status subsidy was released to PLI however my finance bank PNB housing finance is saying that due to loan account being delinquent my PMAY subsidy got returned back to NHB. As per PNB housing finance it was credited to them on October 23 2020 and the same is refunded back to NHB 24th November 2020. I was never informed by the bank while credit and return. I came to know when i asked my subsidy status on Dec'20 month. I had missed to pay few EMI's on time but however I have been paying my EMI regularly. I don't understand how my subsidy is being returned back due to this reason ? i want to know whether this can be a genuine reason or maybe banks are cheating and taking our subsidy because recently i read in new paper that some bank produced fake home loan accounts and availed subsidy benefits ? how i can take action against this bank. please help me Kind Regards Christopher.S