Bank Of India — issue with rupay debit/credit card

Address:	Mumbai, Faridabad, Haryana, 121002
Website:	www.bankodindia.co.in

Boi issued me a new rupay debit card. Money gets deducted while transacting online but if some of your orders get cancelled, teh amount doesnt get refunded back through this rupay card until a reversal claim is filed for each transaction.
I had to talk to the mumbai head office to get my previous issue resolved wherein all refunds were stuck somewhere and were credited after 5 months of my continuous complaints.
This has never happened with mastercard/visa cards issued by boi.

Please fix this issue in rupay cards.