[Resolved] Razorpay — threatened to debit my account for dispute created by payment co 3 months after transaction

[Resolved] Razorpay — threatened to debit my account for dispute created by payment co 3 months after transaction

H harresh from Mumbai, Maharashtra

1ST MESSAGE RECEIVED FROM RAZORPAY IN APRIL 2020 Subject: Razorpay \| Chargeback Alert - DREAM DESTINATION INDIA Dispute(s) received against 1 payment(s). Please respond by the dates mentioned DISPUTE ID PAYMENT ID AMOUNT CASE ID PHASE RESPOND BY disp_EfTZc85M14bUEU pay_E7BBrgv7v0vesI ₹ 20720 [protected] chargeback 21 April 2020 [protected][protected][protected][protected][protected][protected] MY 1ST REPLY TO RAZOR PAY ON 21 APRIL 2020 On Tue, 21 Apr at 1:51 AM, harresh vasudev wrote: Shocked at the arbitrary manner in which the mail is sent showing it as a total dispute. The service offered to the payee Mr. Daftary was for a car hire service in January 2019, since he did not have physical cash to pay for the car rental services given by us & used by him. Going out of our normal biz terms of cash we accepted his payment thru credit card thru Razorpay on which we ourselves were made to bear the brunt of 720 Rs as received less by way of Razorpay’s service charges. A formal invoice is not issued for car service which is being small service on different days during his long length of stay in Mumbai is settled in cash only to accommodate the payee to tide over his difficulty as he did not have cash we accepted payment by credit card. We are warning Razorpay that we have discharged our services for which we received the payment, any attempt to debit this to our account by razor pay will be disputed thru all legal channels available to us with cost & consequences to razor pay’s account. [protected][protected][protected][protected][protected][protected]-- 2ND MESSAGE FROM RAZORPAY 21 APRIL : DURING THE DAY SOMEONE EVEN CALLED FROM THEIR OFFICE & THREATNED ME THEY WILL DEBIT MY ACCOUNT THEN THEY SENT THE MAIL BELOW From: Razorpay Support [mailto:[protected]@razorpay.com] Sent: Tuesday, April 21, 2020 5:45 PM To: [protected]@razorpay.com Cc: [protected]@gmail.com; [protected]@razorpay.com Subject: Re: Razorpay \| Chargeback Alert - DREAM DESTINATION INDIA Hi Team, The reason code for the above case is Visa 13.7 (Cancelled Merchandise/Services) Kindly provide us the documents. Request you to update us here by tomorrow 11:00 AM as we have already breached the last date, failing which the case may get closed in favour of the customer and an equivalent amount will be deducted from the current balance of your account. Here to help :) The ticket reference for your request is #2666273. We have enhanced our support options, please visit our Support page for more details: https://razorpay.com/support The Future of Payments is Here Shaik Mohammed Aftab Risk & Chargeback Operations https://razorpay.com [protected][protected][protected][protected][protected][protected] MY 2ND EMAIL TO RAZOR PAY ON 21 APRIL 2020 WITH SCREENSHOT OF PAYMENT REQUEST SENT TO CUSTOMER & THIER SCREEN SHOT THAT THEY MADE PAYMENT Attn : Mr. Shaikh Mohammed Aftab, Shocked at arbitrary threat [ soft extortion] by razor pay for a transaction happened in jan 2020, service offered & ended in jan 2020, without a logical reason known from the payee you initiate a threat to debit our razor pay account. No logic or reasoning is applied here, we have given this person who has not come thru a not known source but random who did not have cash available & asked if a payment can be made by credit card, which we offered as courtesy & humanity, how do you accept a claim, decide, on your own & pass a judgment to threaten me that you will debit my account. Suppose If I am running a retail store a person pays me by card coz he does not have cash & after 2 months says he did not receive any goods or service is this logical ???? How can razor pay entertain a claim from the payment company after 2 months of the transaction has razor pay validated it & how ? where is the official mail of the person & his payment bank claiming the same??? I say I have given a car for this person for one week to travel in the state of Gujarat when he was in India, wherein he himself has sent me a acknowledged copy of payment link I sent to him when I created the payment link on razor pay that it was meant for car service from palitana to surat [ copy of his message to me that he has made payment for this service is attached in this mail, it is very clear that he made a payment for a service which he has utilized coz he is not a known source or customer whom I will give service without payment nor he who would just make a payment to my co if he 1. Does not know me 2. Unless this is a fraudulent transaction, the very fact he has made a payment to a link created on razor pay is proof enough that he is making payment for a service required by him & rendered by us. Here are screen shots of the correspondence between that person & us, 1. we sent him a link for making a payment, 2. he makes the payment & sends us copy that payment is made. This closes the matter once & for all & any debit to my account in this matter will be dealt with severely with all legal channels & options as well as social media publicity how Razorpay works arbitrarily & is harassing me without even listening to me, I also demand official mail received by you from the bank, card company & the person who is making this claim so that I can file a defamatory case in the USA for false allegations along with you for accepting the claim 7 without knowing my side threating me to debit my account. Was this information helpful? No (0) Yes (0)
Jun 20, 2020 Complaint marked as Resolved in spite of mail a provided by user Mr daftary who is a USA citizen, razaor pay has been writing again & again & again asking for paper proof from me, whereas they have not provided any email from the customer or his card co in USA JP Morgan Chase that the customer has any charge back filed with his card co towards the service he availed when he was in India in jan 2020, here is copy of his mail sent to me & to razor pay Hi Team, We have received Pre-Arbitration Chargeback(s) (2nd level escalation) for the payment(s) mentioned above. The payment(s) have been disputed by cardholder(s) for the second time under the same chargeback reason. You may contact the cardholder to resolve this issue. In case the cardholder confirms that the issue has been resolved, please request an email confirmation which can be represented to defend this case. The email confirmation from the cardholder would be the best resolution to these cases. Alternatively, you could share any other proof apart from the ones shared before which clearly show that the services have been provided to the cardholder. We request you to update us within the deadline. Note: If the documents are rejected in Pre-Arbitration as well and Arbitration Chargeback is received, the complete liability of the payment/transaction and Arbitration fee that may be imposed by the card networks (Visa/Mastercard) will be passed on to you and an immediate debit will be made to your account. Our clarification to the above mail was customers reply to us copied to you & a direct mail to you that he agrees that he availed of services this mail is sent to you already as highlighted below in yellow still you are dragging on & on & on as if the only work left with you. Sureshbhai, I hereby agreed that I used your service to travel, and authorized Rs 20, 000 fir Travel Services Thanks again your help -- Ashok Daftary, CCIM, CHO, CHIA President/Broker Om Realty Finance Company B: (972) 612-0000 \| F: (888) 488-2423 E: [email protected] \| W: www.OmRealtyFinance.com Serving Hospitality Brokerage Services over 25 years Razorpay customer support has been notified about the posted complaint. Apr 21, 2020 Updated by harresh 1ST MESSAGE RECEIVED FROM RAZORPAY IN APRIL 2020 Subject: Razorpay \| Chargeback Alert - DREAM DESTINATION INDIA Dispute(s) received against 1 payment(s). Please respond by the dates mentioned DISPUTE ID PAYMENT ID AMOUNT CASE ID PHASE RESPOND BY disp_EfTZc85M14bUEU pay_E7BBrgv7v0vesI ₹ 20720 [protected] chargeback 21 April 2020 [protected][protected][protected][protected][protected][protected] MY 1ST REPLY TO RAZOR PAY ON 21 APRIL 2020 On Tue, 21 Apr at 1:51 AM, harresh vasudev <[protected]@gmail.com> wrote: Shocked at the arbitrary manner in which the mail is sent showing it as a total dispute. The service offered to the payee Mr. Daftary was for a car hire service in January 2019, since he did not have physical cash to pay for the car rental services given by us & used by him. Going out of our normal biz terms of cash we accepted his payment thru credit card thru Razorpay on which we ourselves were made to bear the brunt of 720 Rs as received less by way of Razorpay’s service charges. A formal invoice is not issued for car service which is being small service on different days during his long length of stay in Mumbai is settled in cash only to accommodate the payee to tide over his difficulty as he did not have cash we accepted payment by credit card. We are warning Razorpay that we have discharged our services for which we received the payment, any attempt to debit this to our account by razor pay will be disputed thru all legal channels available to us with cost & consequences to razor pay’s account. [protected][protected][protected][protected][protected][protected]-- 2ND MESSAGE FROM RAZORPAY 21 APRIL : DURING THE DAY SOMEONE EVEN CALLED FROM THEIR OFFICE & THREATNED ME THEY WILL DEBIT MY ACCOUNT THEN THEY SENT THE MAIL BELOW From: Razorpay Support [mailto:[protected]@razorpay.com] Sent: Tuesday, April 21, 2020 5:45 PM To: [protected]@razorpay.com Cc: [protected]@gmail.com; [protected]@razorpay.com Subject: Re: Razorpay \| Chargeback Alert - DREAM DESTINATION INDIA Hi Team, The reason code for the above case is Visa 13.7 (Cancelled Merchandise/Services) Kindly provide us the documents. Request you to update us here by tomorrow 11:00 AM as we have already breached the last date, failing which the case may get closed in favour of the customer and an equivalent amount will be deducted from the current balance of your account. Here to help :) The ticket reference for your request is #2666273. We have enhanced our support options, please visit our Support page for more details: https://razorpay.com/support The Future of Payments is Here Shaik Mohammed Aftab Risk & Chargeback Operations https://razorpay.com [protected][protected][protected][protected][protected][protected] MY 2ND EMAIL TO RAZOR PAY ON 21 APRIL 2020 WITH SCREENSHOT OF PAYMENT REQUEST SENT TO CUSTOMER & THIER SCREEN SHOT THAT THEY MADE PAYMENT Attn : Mr. Shaikh Mohammed Aftab, Shocked at arbitrary threat [ soft extortion] by razor pay for a transaction happened in jan 2020, service offered & ended in jan 2020, without a logical reason known from the payee you initiate a threat to debit our razor pay account. No logic or reasoning is applied here, we have given this person who has not come thru a not known source but random who did not have cash available & asked if a payment can be made by credit card, which we offered as courtesy & humanity, how do you accept a claim, decide, on your own & pass a judgment to threaten me that you will debit my account. Suppose If I am running a retail store a person pays me by card coz he does not have cash & after 2 months says he did not receive any goods or service is this logical ???? How can razor pay entertain a claim from the payment company after 2 months of the transaction has razor pay validated it & how ? where is the official mail of the person & his payment bank claiming the same??? I say I have given a car for this person for one week to travel in the state of Gujarat when he was in India, wherein he himself has sent me a acknowledged copy of payment link I sent to him when I created the payment link on razor pay that it was meant for car service from palitana to surat [ copy of his message to me that he has made payment for this service is attached in this mail, it is very clear that he made a payment for a service which he has utilized coz he is not a known source or customer whom I will give service without payment nor he who would just make a payment to my co if he 1. Does not know me 2. Unless this is a fraudulent transaction, the very fact he has made a payment to a link created on razor pay is proof enough that he is making payment for a service required by him & rendered by us. Here are screen shots of the correspondence between that person & us, 1. we sent him a link for making a payment, 2. he makes the payment & sends us copy that payment is made. This closes the matter once & for all & any debit to my account in this matter will be dealt with severely with all legal channels & options as well as social media publicity how Razorpay works arbitrarily & is harassing me without even listening to me, I also demand official mail received by you from the bank, card company & the person who is making this claim so that I can file a defamatory case in the USA for false allegations along with you for accepting the claim 7 without knowing my side threating me to debit my account. Best Rgds: Harresh S. Vasudev \| 30+ yrs expertize in travel planning. E : harresh.[protected]@dreamdestinationsinindia.com \| [protected]@gmail.com M: + 91 [protected] \| D : +[protected] E: [protected]@dreamdestinationsinindia.com \| www.dreamdestinationsinindia.com Add: 1102 Raj Vaibhav Towers, Mahavir Nagar, Kandivali (W) – Mumbai Follow Me on Trip Advisor – 1.55 lakh+ readers \| @himachalspecialist. https://www.facebook.com/dreamdestinationsinindia Verified Support Apr 24, 2020 Razorpay Customer Care's response Hi Team, Thank you for your time on call. As discussed, we hope to have addressed your concerns and resolved the same. Feel free to write back to us on the on-going email thread with the ticket ref: 2666273 for any further assistance, we will be glad to help you out. Thanks & Regards, Team Razorpay Apr 24, 2020 Updated by harresh further to our telecon y day we have been able to find screen shots of the car duty slip & toll tax receipt of the car he had been provided during his stay in India. the dates & total kms used by him is acknowledged in the duty slip signed by him. his claim is false & he is lying that he canceled the booking & without jurisdiction you have passed a judgement that he has cancelled or not availed the services. i am attaching the copy of the toll tax paid by the car which is mentioned in the duty slip signed by him. i think i have given enough proof that he has availed of the car service & is lying that he did not avail services from my side the case is closed, any further attempt by you to recover charges from me will be surely be escalated to cyber crime fraud departments, RBI cyber cell & concerned forums Verified Support Apr 27, 2020 Razorpay Customer Care's response Hi Team, Thank you for sharing the details. We have escalated this with the concerned team and are currently working on your request. Please do expect an update on the on-going email thread with the ticket ref: 2666273 at the earliest. Your patience is highly appreciated in the interim. Thanks & Regards, Team Razorpay May 28, 2020 Updated by harresh As per your trail mail below asking for email from customer although we have submitted enough proof in previous replies to you showing that customer had avail of services & not cancelled them, Enclosed is reply from card user, customer that he has used the services & he has no claim over the chargeback. Any further mischief from razor pay I will surely use legal options, RBI, Cyber Crime cell that you are creating a chargeback with your own whims & fancies, coz you are only facilitator who received the payment, you have no authority to arbitrate in this matter, as we never received any communication from card holder or his credit card co, you have been sending us threatening mails that you will debit our account if not replied within 2 days & so on…. Matter closed once and for all. Trailing below IS THE MAIL REPLY FROM CUSTOMER. From: [protected]@gmail.com [mailto:[protected]@gmail.com] Sent: Thursday, May 28, 2020 12:20 AM To: 'Dream Destinations India ' Cc: 'sureshvasudev' Subject: RE: Razorpay \| Pre-Arbitration Chargeback Alert - DREAM DESTINATION INDIA Sureshbhai, I hereby agreed that I used your service to travel, and authorized Rs 20, 000 fir Travel Services Thanks again your help -- Ashok Daftary, CCIM, CHO, CHIA President/Broker Om Realty Finance Company B:[protected] \| F:[protected] E: [protected]@gmail.com \| W: www.OmRealtyFinance.com Serving Hospitality Brokerage Services over 25 years check out the latest edition of CCIM Institute’s Commercial Investment Real Estate online CONFIDENTIALITY NOTICE: The contents of this email message and any attachments are intended solely for the addressee(s) and may contain confidential and/or privileged information and may be legally protected from disclosure. If you are not the intended recipient of this message or their agent, or if this message has been addressed to you in error, please immediately alert the sender by reply email and then delete this message and any attachments. If you are not the intended recipient, you are hereby notified that any use, dissemination, copying, or storage of this message or its attachments is strictly prohibited. From: Dream Destinations India <[protected]@gmail.com> Sent: Tuesday, May 26, 2020 4:11 PM To: [protected]@gmail.com Cc: 'sureshvasudev' <[protected]@gmail.com> Subject: FW: Razorpay \| Pre-Arbitration Chargeback Alert - DREAM DESTINATION INDIA Dear Mr Daftary, Hope all is well at your end & you & your family are all safe in USA. As My father spoke to you this evening, here is mail from the Indian payments Co Razorpay through whom I received the payment that you paid by credit card for the car services given by Mr Suresh Vasudev in Gujarat during your India visit in Jan 2020, as you were running short of cash & wanted to pay by your international credit card. Surprisingly we received an email from this payment gateway co in India Razorpay, that you have disputed this payment as you cancelled or did not avail the car service from Mr Suresh Vasudev & in turn the credit card payment accepting co dream destinations India, we have given them all the details available with us about your genuinely using the car service for which we did get paid. We request you to kindly clarify your position on this by sending us an email that you have utilized our services & made payment towards the same for Rs 20, 750.00, Your co- operation will be highly appreciated Best Rgds: Harresh S. Vasudev \| 30+ yrs expertize in travel planning. E : harresh.[protected]@dreamdestinationsinindia.com \| [protected]@gmail.com M: + 91 [protected] \| D : +[protected] E: [protected]@dreamdestinationsinindia.com \| www.dreamdestinationsinindia.com Add: 1102 Raj Vaibhav Towers, Mahavir Nagar, Kandivali (W) – Mumbai Follow Me on Trip Advisor – 1.55 lakh+ readers \| @himachalspecialist. https://www.facebook.com/dreamdestinationsinindia From: [protected]@razorpay.com [mailto:[protected]@razorpay.com] Sent: Tuesday, May 26, 2020 5:25 PM To: [protected]@gmail.com Cc: [protected]@razorpay.com Subject: Razorpay \| Pre-Arbitration Chargeback Alert - DREAM DESTINATION INDIA Dispute(s) received against 1 payment(s). Please respond by the dates mentioned DISPUTE ID PAYMENT ID AMOUNT CASE ID PHASE RESPOND BY disp_Euyc9CdfWza2PT pay_E7BBrgv7v0vesI ₹ 20720 [protected] pre_arbitration 28 May 2020 Hi Team, We have received Pre-Arbitration Chargeback(s) (2nd level escalation) for the payment(s) mentioned above. The payment(s) have been disputed by cardholder(s) for the second time under the same chargeback reason. You may contact the cardholder to resolve this issue. In case the cardholder confirms that the issue has been resolved, please request an email confirmation which can be represented to defend this case. The email confirmation from the cardholder would be the best resolution to these cases. Alternatively, you could share any other proof apart from the ones shared before which clearly show that the services have been provided to the cardholder. We request you to update us within the deadline. Note: If the documents are rejected in Pre-Arbitration as well and Arbitration Chargeback is received, the complete liability of the payment/transaction and Arbitration fee that may be imposed by the card networks (Visa/Mastercard) will be passed on to you and an immediate debit will be made to your account. For any queries, please reply to this email. May 29, 2020 Updated by harresh From: Dream Destinations India [mailto:[protected]@gmail.com] Sent: Friday, May 29, 2020 7:33 PM To: 'Razorpay Support'; '[protected]@razorpay.com' Cc: '[protected]@razorpay.com'; 'cms.[protected]@rbi.org.in'; '[protected]@gmail.com'; '[protected]@gmail.com'; 'cms.[protected]@rbi.org.in' Subject: RE: Razorpay \| Pre-Arbitration Chargeback Alert - DREAM DESTINATION INDIA You razor pay co seem to be a fraud, from all the mails & claims that you are putting up since April 2020 regarding the so called transaction between us & Mr Daftary. In previous mails we have given proof of service utilized by customer & his OWN mail of 28TH may 2020 wherein he has clearly written with copy to you that the services are utilized, so no further process is required. You are a fraud co & appear to have made a false claim on your own [ from razor pay & not Chase USA] cos neither Chase NOR customer has written to us that they have any complaint & still to support THE CUSTOMER HAS said as below, Sureshbhai, I hereby agreed that I used your service to travel, and authorized Rs 20, 000 fir Travel Services Thanks again your help -- Ashok Daftary, CCIM, CHO, CHIA President/Broker Om Realty Finance Company B:[protected] \| F:[protected] E: [protected]@gmail.com \| W: www.OmRealtyFinance.com Serving Hospitality Brokerage Services over 25 years HENCE IT APPEARS THAT YOU RAZRO PAY HAVE CREATED AN ARTIFICAL CHARGEBACK CLAIM ON YOUR OWN ACCORD 1. IN LEGAL TERMS YOU HAVE NO JUSRISDICTION TO ASK US OR OUR CUSTOMER WHAT IS THE TRANSACTION BETWEEN US & THAT WE SHOULD GIVE ANY FURTHER PAPER PROOF, SCREEN SHOTS ETC TO YOU.[ALREADY GIVEN ONCE IN APRIL 2020 TO YOU] 2. YOU ARE ONLY FACILITATOR WHO RECEIVED A PAYMENT FROM A INTERNATIOAL CARD CO & MADE PAYMENT TO US AFTER COLLECTING 3% AS YOUR CHARGES MATTER ENDS. 3. WHEN CUSTOMER HAS WRITTEN IN THIER MAIL THAT HE HAS UTILIZED SERVICES IT IS END OF STORY, YOU HAVE NO JURISDICATION BEYOND THIS. 4. IF CUSTOMER OR HIS CARD COMPANY IN THE USA HAS ANY PROBLEMS, CLAIMS, SERVICE ISSUES THEY CAN WRITE TO ME & WE WILL SETTLE IT AMONGOURSELVES RAZRO PAY NEED NOT INTERFERE. 5. I HAVE ALREADY INFORMED THE CUSTOMER & HE HAS CONFIRMED THAT HE HAS NO CLAIMS ABOUT THIS PAYMENT AS IT WAS PAID FOR A GENUINE SRVICE HE USED, HE HAS ALSO AGRRED THAT HE WOULD SUE YOU IN THE USA FOR FALSELY USING HIS NAME THAT HE DID NOT GET SERVICE OR HE CANCLLED & HE HAS INFORMED HIS CARD CO CHASE THAT HE HAS NO CLAIMS & HE USED THE SERVICE. 6. I AM HEREBY WARNING YOU NOT TO DEFEND MY CASE OR ACT ARBITRATOR IN THIS CAE COZ AS IF THE CUSTOMER OR HIS CARD CO HAVE ANY ISSUES WE WILL SORT IT AMONGOURSELVES, BUT APPEARS THAT YOU HAVE CRATED THEM, SO YOU NEED NOT DEFEND & REPRESENT MY SUPPORT TO CHASE USA, IF THHEY HAVE ANY FURTHER ISSUES CHASE OR CUSTOMER WILL WRITE TO ME, FOR RAZOR PAY IT MEANS KEEP OUT OF IT. LASTLY EVEN AS THIS MATTER IS SORTED YOU RAZOR PAY NEED TO BE REPORTED TO RBI & MORE SO TO CYBER CRIME PATROL INDIA & USA THAT WHEN THERE IS NO ISSUE BETWEEN US SERVICE PROVIDER & CUSTOMER YOU ARE CREATING A FICTIOUS CHARGEBACK COZ CHASE HAS CONFIRMED TO THE CUSTOMER IN USA THAT THEY HAVE NOT CREATED A CHARGEBACK WITH RAZORPAY INDIA. 7. THERE IS ONE MORE PROOF AVAILABLE WITH ME THAT YOU RAZORPAY HAVE CREATED THIS FICTIOUS CHARGEBACK SENT THRU YOUR OWN EMAILS TO ME I WILL SURELY SUBMIT THEM TO CONCERNED GOVT DEPT IN INDIA & USA. I AM NOT DISCUSSING ANY FURTHER IN WITH RAZORPAY IN THIS MATTER & THE R.B.I DEPT. CONCERNED IN MUMBAI & BENGALURU ARE COPIED IN THIS MAIL. Best Rgds: Harresh S. Vasudev \| 30+ yrs expertize in travel planning. E : harresh.[protected]@dreamdestinationsinindia.com \| [protected]@gmail.com M: + 91 [protected] \| D : +[protected] E: [protected]@dreamdestinationsinindia.com \| www.dreamdestinationsinindia.com Add: 1102 Raj Vaibhav Towers, Mahavir Nagar, Kandivali (W) – Mumbai Follow Me on Trip Advisor – 1.55 lakh+ readers \| @himachalspecialist. https://www.facebook.com/dreamdestinationsinindia From: Razorpay Support [mailto:[protected]@razorpay.com] Sent: Friday, May 29, 2020 12:13 PM To: [protected]@razorpay.com Cc: [protected]@gmail.com; [protected]@razorpay.com; [protected]@razorpay.com; cms.[protected]@rbi.org.in; [protected]@gmail.com; [protected]@gmail.com Subject: Re: Razorpay \| Pre-Arbitration Chargeback Alert - DREAM DESTINATION INDIA Hi, Kindly provide us the proof (paper documents) for the delivery of the service . In order to defend the case, we need supporting documents. So we would request you to share the invoice or POD valid screenshots related to service delivery or the mail confirmation from the customer. So that we can go ahead and represent the same with bank Here to help :) Meghana C N The ticket reference for your request is #3049569. We have enhanced our support options, please visit our Support page for more details: https://razorpay.com/support Thanks and Regard, The Future of Payments is Here Meghana C N Risk & Chargeback Operations https://razorpay.com
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