I made an upi transaction on 6th October 2021 for which, the money was instantly deducted from my account but the transaction failed. It's been past a week and my money is still not refunded.
Oct 17, 2021
Complaint marked as Resolved Well my complaint got resolved from the merchant's side(ie Amazon, were the payment was made). And speaking about central bank, this is what I got. After repeated failed attempts in trying to contact the bank through their online grevence portal window for failed transaction, I could finally establish some sort of contact over their toll free no. only to get a call back from one of their representative named RAHUL TRIPATHI(as was mentioned in an email with logo of central bank of India wanting to contact me over a live medium to discuss my issue in detail), next day. He listened to all of my details, and, surprisingly, promised me an instant refund within seconds, to get which, I would have to follow some "simple steps". Soon, he instructed me to download an app named "any desk" from Google play store, on my smart phone or computer and ordered me to stay online while he guides me through the whole process. But on hearing that I didn't have any way to get access to the internet on a computer or smartphone apart from the smartphone I was using to talk to him, he hatched another plan. This time, he inquired me about my debit card details so that he could transfer the refund amount through it. All went fine, till he wanted to my know my CVV no. as he explained it to be common verification procedure. On showing suspicion, he remained very calm and kept on repeating that I could crosscheck his calling number (actually his calling number appeared to be the same toll-free number issued by bank on which I contacted him earlier), and all calls are being recorded by the bank and so on. I just wanted to see how far could he proceed, so I shared with him my CVV. Soon, he instructed me check me to check my message box for a "reversal OTP"(!!) and wanted me to submit it. I checked my messages to find one STATING THAT MY DEBIT CARD WAS BEING USED FOR A TRANSACTION OF ₹10118 ON MOBIKWIK APP(!!). On enquiring, he smartly explained that MOBIKWIK was the payment gateway used by central bank to make my refund and ₹10118 denoted the highest allowed upper value for such transaction. I chuckled on my own and instantly shared the OTP (since my account had only a little more than minimum balance)!! Moments later he responded by saying that, the system is showing my account balance to be below 1000 along with lots of other rubbish which I failled to get through as network dropped. So people, who ever just read this up now and wishes to start a new journey with central bank of India(or already having some rolarcoaster experience like me) should and must think twice before proceeding further!!
Central Bank Of India customer support has been notified about the posted complaint.
