HDFC Bank — AGGREGATOR EMI - OFFUS with customer knowledge

I visited Hotel Le Palace chennai on 4 September 2026 and made a payment of ₹1, 645 using my credit card. However, I later noticed that this transaction had been converted into an EMI/credit loan without my knowledge or consent.

Transaction date: Sept 4, 2026
AGGREGATOR EMI - OFFUS Date: Sept 8, 2026

I contacted Hotel Le Palace regarding this issue, but they informed me that the bank is responsible for converting the transaction into EMI. When I contacted the bank, they informed me that the merchant is responsible. Both parties are directing me to each other, and I have not received a clear explanation about who converted my transaction into an EMI.

I would like to raise a complaint regarding this matter, as I never requested or authorized any EMI or credit loan for this transaction. I request that this issue be investigated and resolved at the earliest.