[Resolved]  HDFC Bank — debit card emi issue

Hi,

I have purchased a product via debit card emi of amount rs.11792.62 order no.#[protected] in amazon on 25-august-2018.

After that, i have cancelled the product and amazon intiated refund on 29-aug-2018 of refund reference number:[protected]. Here is the mail from amazon:

Your refund of rs.11792.62 has been processed successfully on[protected]. The amount should reflect in your account by[protected].

The authorization code (Refund reference number) for the transaction is[protected].

In case you do not receive the refund within 5 business days, please contact your bank’s customer care and mention the above authorization code (Refund reference number). Please remember that you will have to call your bank’s customer care center and not visit the branch for this query.

Some nationalized banks may take more time than usual to credit the refund. If your bank is unable to locate the refund with the authorization code provided, please dispute the transaction as 'refund not processed'. On disputing the transaction, the bank will see a pending refund and will follow the path back to our payment processor to locate the refund.

I called hdfc bank and they said that, we didnot recieved any cancellation request from amazon. So, contact amazon. When i call amazon, they took complaint and checked with their billing team and confirmed, refund has been done from their side.

When i call hdfc loan department, again they are telling the same thing each and everytime. After 20 follow ups over call around more than 8-9 hrs spend to discuss on this issue with hdfc bank, they took internal complaint and raised a concern from their side to amazon.

Already, 1st emi amount has been auto debited and 2nd emi is nearby. Hdfc loan department is not at all understanding the issue and blindly trying to escape from this.

Simply, hdfc bank deducting my money even after product returned and refund intiated from merchant side.

I am fully irritated and called both hdfc and amazon moe than 50+ times in these 2 months, but there is no resolution. I have total call recordings of discussion.

I am sure, there is no issue from merchant side as they provided refund reference number as well.

Finally, i am approching consumer complaints with a small hope that my issue will get resolve. And next, i have only chance to approach consumer court.

Please look into this and resolve.
Mobile:[protected]
Feel free to discuss on this.