Applied for housing loan without my permission bank deducted EMIs

I applied for a Housing Loan with XYZ bank. Now the loan got approved, but without consulting me they made a cheque of the amount worth and started deducting EMI from my bank account, while the registry of the property is still pending due to the approval of the completion certificate. Are they legally committing a crime, and on asking for a refund of the deducted money they are asking for a fixed registry date - which I am unable to provide as the process of obtaining a completion certificate takes some time and no definite date is mandated by a government official. Is legal action possible?