Indian Overseas Bank — Refunds for failed or returned orders are not credited in my account.

Address:

601301

I am a regular online transactor for recharges or online purchases, but now i have a problem with IOB Bank, That is my failed transaction refunds are not credited in my account, First of all I think it is a seller problem but after three consecutive refund via paytm, freecharge and amazon is not credited in my account, All of them given a ARN no for the initiated refund I found it is a Bank’s fault, I have made complaint through mobile customercare number, there is no use for my first complaint of refund via paytm Rs - 400.00 they given reply check your wallet amount has been refunded but no amount added in my wallet so i raised compliant in paytm they given there is no refund we got check again your bank but bank customer care refused take complaint again refund initiated on 15th JAN 2016 after four months my money not returned, second refund from Freecharge amount is Rs.100 initiated on 29th Mar this is also not credited in my account they also sent me a ARN no for the refund, this time i have sent mails to [protected]@iobnet.co.in but no use not get a single reply, last and final refund is Rs 6999 for my returned mobile amazon as initiated this refund on 17th APR 2016 this amount also not credited in my account they also given a same ARN No and said file charge dispute in my bank i have made complaint on 3rd May 2016 via Phone again after ten days still any amount is not returned to my account totally 7499 is cheated from my bank i will confirmly says this is a bank's problem because the same time my refunds from freecharge is reached my account on my IDBI bank account and the same problem is happens on three different sellers so this is bank fault. i want to know how to file complaint against bank please help if it is stopped on Rs. 500 i will leave it but now i lost my 7499.00 in five months this is not a good service and pathetic customer service from IOB Customer care. I want to file complaint against the bank for the unresponsive customer service. The transaction ARN No are below with respective seller amount and date
ARN : 74332746016601578397480 – Rs. 400 (PAYTM) on 15th JAN 2016
ARN- 74332746090608987119776 -Rs. 100 (FREECHARGE) on 29th MAR 2016
ARN : 74332746109610889073415 – Rs.6999 (AMAZON) on 17th APR 2016.
i am posted this only because i got any solution for my problem so help me.