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HDFC Bank Complaints & Reviews

2.9
Updated: Apr 15, 2026
Complaints 32946
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HDFC Bank reviews & complaints page 837

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R
Ram Sah1984
from Bengaluru, Karnataka
Nov 20, 2018
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Address: Mumbai City, Maharashtra, 450331

Dear Sir,

Today i have revived a call from [protected] she was telling i am calling From HDFC mumbai Branch a loan is showing with your name so please give your personal details i have asked from Which branch you are calling she told that HDFC Mumbai branch and again she was asking deatils like DOB etc finally when i hve told that from which branch you are calling she told me please give details other wise loan will be layiing wih your name.

sir i have share mobile no also so plese take up this matter as early.

Regards.

Ram dular sah
[protected]
HDFC Bank customer support has been notified about the posted complaint.
Nov 21, 2018
Updated by Ram Sah1984
please update
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    S
    sudhamit
    from Chennai, Tamil Nadu
    Nov 20, 2018
    Resolved
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    Resolved

    insurance policy settlement

    Address: New Delhi, Delhi, 110086

    Mr. Kapil Sachdeva called me in June-18 and introduce himself as GBIC personal over phone. He briefed his job in GBIC and asked me to give case to settlement (dissatisfied Insurance). I have given both my HDFC policy from which I dissatisfied because of HDFC's agent had given policy with wrong commitment.
    I given my both case to him and he committed to take fresh policy before going to complete settlement accordingly I taken additional...
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    V
    Vasu Gangapalli
    from Tiruchengode, Tamil Nadu
    Nov 20, 2018
    Resolved
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    Resolved

    Address: 560016

    Cancellation of one assist membership
    I am a hdfc bank credit card holder. The bank has auto debited membership fee from my credit card number ending with 6176 without my concern on date:20/11/2018. I am not interested in this service and don't want this membership any more. So cancel the membership and refund this debited amount.

    Oneassist relationship number : 3112669
    Name :- vasu g s
    Mobile no. :- [protected]
    Credit card number ending :- 6176
    Aug 6, 2021
    Complaint marked as Resolved 
    HDFC Bank customer support has been notified about the posted complaint.
    My credi card no. Is [protected]
    I want status n statement about my card.
    Its showing -1 in my cibil score.
    So please send me status about my card. Or update my cibil. My enquiry no. With grivance department of hdfc is [protected].
    Hi team i am .. I don't know why 1399rs has been deducted from my credit cards. I don't remember plans from you guys. Why That amount deducted from my account. I don't need this plan so cancel it and refund my amount to my account as soon as possible
    Dear Sir/Mam,
    1. in my cibil score showing HDFC account number, which is not mine. I don't have any account with HDFC. Please update Cibil report.
    2. Also PNB Education loan is already Closed but in cibil score showing active, Please resolve this issue also.
    Dear sir mam may i no the reason of my credit card disapproved my ccapp no is 18j[protected]pc
    Dear Customer,

    Greetings from OneAssist!

    We regret the inconvenience caused. Your membership cancellation is processed vide service request number 3751071. Your amount 1899/- will be credited in bank account within 5 to 7 working days.

    Regards,

    Devendra,

    OneAssist, Social Media Team.
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      H
      HASMUKH NERIYA
      from Pune, Maharashtra
      Nov 20, 2018
      Resolved
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      Resolved

      salary a/c not open,

      Address: Jalgaon, Maharashtra, 425001

      From last two months i am (Hasmukh r neriya) employ of hdfc life's at jalgaon branch want to open my salary account at hdfc bank but no response from dana bazaar branch ifsc coad hdfc0001785 and dsp square branch ifsc coad hdfc0000180. I have submitted all required documents to subham gandhi employees of hdfc bank but no response from either from branch and branch manager of both branch's.
      Requesting you to do the needful as early...
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      D
      Dawindra
      from Gurgaon, Haryana
      Nov 20, 2018
      Resolved
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      Resolved

      Address: New Delhi, Delhi, 110027

      My card no 4854xxxxxxxx5681 & want to know

      (A) no of emis being deducted
      (B) amount of each emi & balance emis

      I cannot decipher from the statement as to how many emis & for what item i am being charged. No of emis paid/pending is also not known. I tried on phone but has been unsuccessful.

      Request an early reply

      Could not get this information on phone
      Dec 25, 2018
      Complaint marked as Resolved 
      HDFC Bank customer support has been notified about the posted complaint.
      Verified Support
      Nov 22, 2018
      HDFC Bank Customer Care's response
      Dear Customer,

      With regard to your query regarding your credit card EMI please feel free to contact our Phone Banking officers at any of our 24 hour Phone Banking numbers mentioned in the below URL. https://bit.ly/2wwwruX

      -Zubin
      HDFC Bank Customer Assistance
      Respected Sir/Mam

      I had applied for a credit card though HDFC bank, meanwhile you had send it to me also through Blue Dart Couriear, the AWB No. for my card is :-[protected] dated 31/10/2018. It has not been deliverd to me, Kindly look at this issue and help me out. I want my credit Card received again.
      Thank's...
      kumar9543's reply, Nov 12, 2018
      Hdfc Bank — credit card

      1 Review
      kumar9543 on Nov 12, 2018 Mark as Resolved

      Respected Sir/Mam

      I had applied for a credit card though HDFC bank, meanwhile you had send it to me also through Blue Dart Courier, the AWB No. for my card is :-35807262525 dated 31/10/2018. It has not been deliver to me, Kindly look at this issue and help me out. I want my credit Card received again.
      Thank's...
      Hi Team, My credit card was suspended. It is confirmed by customer care executive. They gave one number [protected] to get the reason. This number is always busy. I tried multiple times. No dues on my credit card. Please activate it with cust id 3609438
      srinu adduri's reply, Nov 12, 2018
      36029438
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        S
        sivakumar chittoor
        from Cuddapah, Andhra Pradesh
        Nov 20, 2018
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        Address: Chittoor, Andhra Pradesh

        Cancellation of one assist membership
        I am a hdfc bank credit card holder. The bank has auto debited rs. 1399/- from my credit card number ending with 2947 without my concern on date:08/12/2018. I am not interested about this service and don't want this membership any more. So cancel the membership and refund this debited amount of rs.1399/-
        HDFC Bank customer support has been notified about the posted complaint.
        My wallet was lost on 8/11/2018 so i block my debit card on that time i have all ready apply for a new debit card but till date i don, t receive my new debit card
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          T
          Thenna
          Nov 20, 2018
          Resolved
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          Resolved

          Address: Chennai, Tamil Nadu

          We are staying in abroad and 50days before we have settled our credit card account in chennai by paying rs.26740. Hdfc debt collection team was co-ordinating closely with us until they receive the amount from me. And when i was trying to trace them for noc letter/credit card closure letter, there is no response from the manager as well his executive.. Trying to catch him through calls msgs mails for the past 6days but no answer.. Would be highly grateful, if i get an update on the status of my credit card.. I know they have paid but not sure whether they paid as settlement or emi's as i haven't received any receipt stating that..
          Dec 22, 2018
          Complaint marked as Resolved 
          HDFC Bank customer support has been notified about the posted complaint.
          Verified Support
          Nov 20, 2018
          HDFC Bank Customer Care's response
          Dear Customer,

          Let us look into it for you. Please share your Card No. with registered contact info & the issue on [protected]@hdfcbank.com. Mention this Ref No. TTU[protected] in the subject of your mail so it'll help us track your e-mail.

          -Anay
          HDFC Bank Customer Assistance
          Hi,

          Can any body please share the reason for my credit card disapproval.

          when all the documents, cibil score, inspection is correct than why you disapproved my request. The reason for rejection has to be shared with customer. Will never apply for HDFC credit card again.

          Below are the details of my request :
          18J[protected]O1
          I want to close hdfc credit card. [protected]. Either exempt my hdfc advance fee or close my credit card.
          I got 2000 torn note, from hdfc atm, no guard was there.Edges of the note are torned.No dispence slip was there.
          What to do?How will I get my money back?Please help me
          This is disgusting, getting too many calls from hdfc bank and their consultancies for personal loans.

          Even after mentioning clearly that I am not interested.
          Kindly remove my number (+91 - [protected]) from your database. Expecting from now not to get any calls till i apply for loans.
          Sir,

          HDFC Credit Card - Transaction Dispute

          Without my knowledge, Some fraudulent transaction Amounting Rs.8803/- has been made at GS CREATIONS at 15:32:35 dated 08/11/2018...Hdfc credit Card Ending 0311.

          Kindly help me out..

          Thanks,
          I am a HDFC bank credit card holder . The bank has auto debited Rs. 1399/- from my credit card, without my concern on date:15/05/2017. I am not interested about this service and don't want this membership any more. So cancel the membership and refund this debited amount of Rs.1399/-
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            A
            Akalp Tyagi
            from Kanth, Uttar Pradesh
            Nov 20, 2018
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            Address: Dehradun, Uttarakhand, 248142

            My credit card ending 1722 has been debited without my knowledge. They did not call or inform me about debiting my card one assist. This is a useless service that i have not used till now and i do not want this service to continue anymore. So, please discontinue the one assist service and do credit my card back.

            Thank you

            Mobile: [protected]
            Credit card ending: 1722
            HDFC Bank customer support has been notified about the posted complaint.
            Hello, I have applied 2 weeks ago for credit card. My address and telephonic verification has been done one week ago. But i am not getting any updates since then. Very poor service by HDFC. application 18K[protected]S3
            Hello, I had taken personal loan from HDFC Bank, with loan no .28886528. I have cleared all the EMI's but still, i have not received the NOC letter. I would request HDFC Bank, to send me my personal email id.. sunil.[protected]@rediffmail.com for the above loan account number immediatly.

            Regards,
            Sunil Kumar Gupta
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              A
              arock70
              from Chennai, Tamil Nadu
              Nov 20, 2018
              Resolved
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              Resolved

              Address: Chennai, Tamil Nadu, 600002

              From hdfc ergo insurance, there was a renewal raised on 12-nov-2018 for rs.8124. Due to this transaction, in my credit card there was a over limit charge of rs.500 raised. When i enquired with hdfc bank through customer service (Ph no[protected] on 13th nov, the agent said, it was the renewal hence the amount was debited. And also the agent advised to me to contact ergo to reverse the entry, once it is debited automatically the over limit charge will be reversed.
              Actually, already i sent sms to ergo to cancel it based on their intimation sent to me in sep'18. The renewal amount was not intimated to me and it was automatically debited from my credit card. Though i put around rs.4000 in to my credit card account to avoid additional charges if any.
              So again as advised by hdfc bank customer service agent, i sent a mail to ergo and i received the confirmation for the cancellation.
              As per the statement, the debit and negative entries are available on the same day (12.11.18) though, the over limit charge is available in the statement on the same day for the excess of rs.4500. I could not understand this if + and - entries are there then why the over limit charge is there for only rs.4500.
              On 13th evening, one more reversal entry was enable in the cc account. I called the hdfc customer service agent on 14th and asked to remove the over limit charge. Now the agent said, once the rs.8124 is reversed, the over limit charge will be reversed. But i was not satisfied so i told her to hand over the phone to her manager. The agent said, manager was not there once returned i would be called. But nothing happened. The over limit charge was not reversed.
              On 17th one more debit entry created for the amount of rs.8124. So, on 19th i called the customer service and asked about the entry. They said this will not be effected in your statement. The over limit charge also will be reversed. Even though, i said, i wanted to speak with the manager. Now also the same reply received. Till 20th nothing happened neither the reversal of over limit charge nor the manager contacted me.
              I do not understand why there is manager for the customer service phone calls since he/she does not want to face the customers.
              And apart from that the card is being used since 2005 by me though, they have put an over limit charge and also after my repeated phone calls it is still not reversed.
              Just the bank wants to snatch the money from the customers in many ways and does not want to recredit the wrong debit. This is not the first time i faced. Many times it happened and every time i have to call and request them to reverse the wrong entry.
              Even in reward points given by bank, whenever a new credit card is issued due to expiry of the old card, to the customer, 50% of the reward points will be reduced. Why they give reward points and why they want to get 50% for the new issuance when the old one is expired? Simply they cheat the customers and snatch the money with the hidden charges. When i go for the pre closure of the personal loan or jewel loan, initially the bank rep will tell only the minimum charge and when i go for the payment, the huge hidden charge will come.
              If i do not receive any proper reply, i do not have any option except to close all the accounts in hdfc bank.

              Arockia
              Mar 17, 2022
              Complaint marked as Resolved 
              It has been completed by HDFC.
              HDFC Bank customer support has been notified about the posted complaint.
              Verified Support
              Nov 22, 2018
              HDFC Bank Customer Care's response
              Dear Customer,

              We have taken note of your comments expressed and you may look forward to receiving a response to your e-mail id in 12 working days. The reference number for this interaction is[protected]. We request you to bear with us in the interim.

              -Zubin
              HDFC Bank Customer Assistance
              Nov 27, 2018
              Updated by arock70
              It is not yet resolved and more than that my over limit charge has not been deducted due to the EROG trxn. I am surprised why the customer rep was not fully read my complaints.
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                S
                Sushmitha Kumar
                from Bengaluru, Karnataka
                Nov 20, 2018
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                Address: Bangalore, Karnataka

                Amount is deducting from my account for bajaj fincerve but i didn't use it
                Even i don't know anything about this card
                But every month it is deducting
                How to cancel it and how I'll get the deducted amount back
                From many months it is deducting
                How without our permission it can be deducted
                Please solve the issue as soon as possible
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                  J
                  jitender097
                  from Aliganj, Uttar Pradesh
                  Nov 20, 2018
                  Resolved
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                  Resolved

                  Address: Gautam Buddh Nagar, Uttar Pradesh, 201310

                  I was holding an hdfc titanium times card from more then 6 to 7 years. Now they are offering life time free cards to the new customers. I connected with the customer care and told them to convert my card to life time free card as i have to bear the annual charges even i earn more then 70, 000 a month and they are offering life time free cards to guys with salary less then 20, 000 a month.

                  They told me to send a cancellation application at chennai branch and tole me the retention team will connect but instead of that they cancelled my card.

                  I again connected with customer care team to told then the hole story. They do not have any solution apart from applying a new card after 3 months so reach to the grievance team and then nodal team. All of them are useless then someone from nodal team told me that, i need to reactivate my card then only they are able to convert it to life time free card so i send them the reactivation form and told them to convert it to life time free card. They activated my card but did not converted it to life time free card, moreover, they have change my cc number.

                  I wrote an email to [protected]@hdfcbank.com and rajendrakumar. [protected]@hdfcbank.com as well but havn't received any solution yet. Even i posted on twitter as well by looping in mr. Puri and neeraj but that was again a time waste effort.

                  I am chasing them from past one month and that too for nothing. Do not fall in the trap of hdfc bank. All the guys from top to bottom are useless.

                  Reference numbers are as follows:
                  [protected]
                  [protected]
                  08198113
                  Dec 24, 2018
                  Complaint marked as Resolved 
                  HDFC Bank customer support has been notified about the posted complaint.
                  Verified Support
                  Nov 22, 2018
                  HDFC Bank Customer Care's response
                  Dear Customer,

                  We have taken note of your comments expressed and you may look forward to receive a response to your e-mail id in 05 working days. The reference number for this interaction is[protected]. We request you to bear with us in the interim.

                  -Zubin
                  HDFC Bank Customer Assistance
                  Nov 22, 2018
                  Updated by jitender097
                  Further updated on this.

                  As per suggestion from you higher management, I have reactivated my card so that they may convert it to life time free card.

                  Upon reactivation, you guys have changed the CC number and moreover, I had paid the annual charges till Feb 2019 and upon reactivation why the expiry dates are different?

                  Due to validity dates changes, my next bill will have the annual fee included which I have already paid till Feb 2019.

                  This is totally ###. Stop fooling the customers.
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                    K
                    Krishna_Rauth
                    from Madhipura, Bihar
                    Nov 20, 2018
                    Resolved
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                    Resolved

                    Address: East Singhbhum, Jharkhand, 832302

                    I had purchased oneplus 6 from amazon.in on 01/06/2018.
                    Hdfc bank's 10% cashback offer on debit card payment was there.
                    Before purchasing the product i called bank's customer care & they told me that the casback will be credited to your account within 90 days.
                    Then after their confirmation i ordered the product.
                    But till now no cashback received. Its 5 months now.
                    Even i have contacted with the bank also but they are also unable to help me.
                    I have tried phone banking numbers several times but unable to reach their customer care representative, every time call disconnected.
                    So what should i do now.?
                    Please help me..
                    Dec 25, 2018
                    Complaint marked as Resolved 
                    HDFC Bank customer support has been notified about the posted complaint.
                    Verified Support
                    Nov 20, 2018
                    HDFC Bank Customer Care's response
                    Dear Customer,

                    Let us look into it for you. Please share your Account No./Card No. with registered contact info, offer details & the issue on [protected]@hdfcbank.com. Mention this Ref No. TTU[protected] in the subject of your mail so it'll help us track your e-mail.

                    -Anay
                    HDFC Bank Customer Assistance
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                      C
                      Chirnajeeb86
                      from Pune, Maharashtra
                      Nov 20, 2018
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                      Address: 411028
                      Website: www.hdfcbank.com

                      Hello team,

                      Good morning!

                      I want to raise a complain against the hdfc credit card department for delaying the delink process of my credit card from one of my savings bank account.
                      This process usually takes 3-4 working days. However, it has crossed more than a week and the account is not yet delinked.
                      This is not at all a good customer service. And, more over the customer care representatives are repeatedly saying same thing "it will be done in next 24 hours". This is not at all accepted.

                      If i compare current position of hdfc bank credit card department with other banks, then hdfc is the worst. Others are much much better than them.

                      As my service request number :- [protected] is still pending, i'm raising a complain here expecting some action to expedite the process.

                      Regards,
                      Chiranjeeb ([protected])
                      HDFC Bank customer support has been notified about the posted complaint.
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                        D
                        from Varanasi, Uttar Pradesh
                        Nov 20, 2018
                        Resolved
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                        Resolved

                        Address: Lucknow, Uttar Pradesh, 226015
                        Website: [email protected]

                        Kindly refer my complaint id - 2149267 on dated 19/11/2018.in this reference hdfc bank customers assistant mr. Rahul tripathi have been sent email to us dt.19/11/2018 and demanded by email to share my mobile number. I have been given the my mobile number and he was called us and demand the debit card number for gateway reimbursement also share my otp and cvv number. After that he was transferred my account rs.1999 in twice and deducted my account rs.3998. This issue's are cheated the customer. Kindly help me and action against him.
                        Dec 31, 2018
                        Complaint marked as Resolved 
                        In above context the email--- [email protected], Mobile number--- 9319020182 . Once again I am requested you, kindly help me as soon as earliest possible. Above mentioned email and mobile are related to the fraud man, who has been sent message and talked with me.
                        HDFC Bank customer support has been notified about the posted complaint.
                        Nov 26, 2018
                        Updated by [email protected]
                        Above complaint are not resolved. Kindly reopen.
                        Dec 12, 2018
                        Updated by [email protected]
                        Kindly send me the current status.
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                          L
                          lkrenuka
                          from Salem, Tamil Nadu
                          Nov 20, 2018
                          Resolved
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                          Resolved

                          Address: Chennai, Tamil Nadu, 600097
                          Website: online.hdfc.com

                          I, mrs. Renuka l k, had applied for home loan for which i was told that processing fees is refundable.
                          I had applied for balance transfer of home loan (Loan take-over), file number,[protected]. However, the loan application has not been processed by the bank.
                          Hence request you to refund the amount paid towards processing fees.
                          This is a remainder email for the refund of the processing fees that is paid towards home loan.
                          I had sent the email requesting refund on 19th sept 2018, 16th nov 2018 and 20th nov 2018, to '[protected]@hdfc.com', 'devdutt. [protected]@hdfc.com', 'urhomeguide. [protected]@hdfc.com', '[protected]@hdfcsales.com', but still have not received any response to it.
                          Kannan bhoopathi was the poc to process my home loan and he is not responding to my calls & messages.
                          Dec 24, 2018
                          Complaint marked as Resolved 
                          HDFC Bank customer support has been notified about the posted complaint.
                          Verified Support
                          Nov 21, 2018
                          HDFC Bank Customer Care's response
                          Dear Renuka,

                          Thank you for writing to us with your feedback. It remains our priority to redress your concerns. We would request you to post the details of your concern at http://bit.ly/1GG54RP to help us address the same effectively.

                          Regards,
                          Team HDFC Home Loans
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                            R
                            Rucha@123
                            from Mumbai, Maharashtra
                            Nov 20, 2018
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                            Address: Mumbai City, Maharashtra, 400058

                            My salary account (In hdfc bank) was created in my first company, i left the company and joined somewhere else. Now my salary account in hdfc bank has been converted to savings account (Without informing me or warning me) in the month of october 2018 i had called customer care and raised a request to close my account as i did not want to use the account. I never logged in to my account through net banking and i did not use debit card. I have more than 5000 negative balance in my account. I request you to please take action against this bank.. Thay have no right to do whatever they want without informing the customer
                            And no one has informed me regarding the minimum balance n other things while opening the account.
                            HDFC Bank customer support has been notified about the posted complaint.
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                              N
                              Nivetha97
                              from Hosur, Tamil Nadu
                              Nov 19, 2018
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                              Dear HDFC Customer Service,

                              I have complained many times on closing of my DMAT account, though I not received any proper response.I have had a bitter experience on HDFC.They had already debited 500 from my account.I already said I don't want DMAT account but they opened it.Will you please help me to close my DMAT account and refund my account ?
                              HDFC Bank customer support has been notified about the posted complaint.
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                                S
                                sausen
                                Nov 19, 2018
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                                Address: New Delhi, Delhi, 110018

                                I would like to cancel my one assist membership since i am not interested in the service anymore.

                                Also, there is a charge of around rs 4640 against my credit card that i do not wish to pay.

                                My credit card ends in 6424 and my relationship number is [protected].

                                Please cancel this membership and remove this charge against my card.

                                My full name is saurav sengupta.
                                HDFC Bank customer support has been notified about the posted complaint.
                                Cash withdraws my account hdfc. Kerala Kasaragod padannckad sbi atm cash withdraw 10 thousand but cash not coming my account 10 thousand debt already
                                My Food card for october is not credited even though I have updated my aadhar card details. I have even sent an email to food card support team.

                                Please check and resolve it

                                card num : [protected]

                                email: bhavana.[protected]@tcs.com
                                I m priyanka.priyanka Jagtap. I will mising my pf no..my Employee Id ( P19176).plz i will request for u...help me & Forgot my p[censored]AN No...
                                Psarvgod's reply, Nov 15, 2018
                                I m Priyanka.Priyanka Jagtap.i will mising my pf Uan No...My Employee Id( P19176).Plz I will request for u.help me &Forgot my Pf UAN No.
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                                  H
                                  hillsden
                                  from Savantvadi, Maharashtra
                                  Nov 19, 2018
                                  Resolved
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                                  Resolved

                                  edc machine is not working.

                                  Address: 403731

                                  The escalator machine from hdfc bank is not working properly.. We are unable to do a transaction. Every we try to swipe a card it says retry bach transaction.
                                  Few days ago the network was not showing at all. After trying the needful the network is visible but transaction is not getting successfully. As a result we are facing a lot of inconvenience.
                                  We have also registered twice complain over the phone to the service engineer...
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                                  Pragati Shelar
                                  from Pune, Maharashtra
                                  Nov 19, 2018
                                  Resolved
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                                  Resolved

                                  Address: Pune, Maharashtra

                                  Me sameer rajaram shelar magchya varshi maze 7000 baki note mi dar mahinyala 1500 rs bharat note pan banker nustach interest ghetla principle amt vadhavli. Ani maya saving account machine mal n vicharta 11000 rs transfer kele nil balance mule 2000 rs dand ghetla tari sudha hdfc credit card vale phone karun paise bhara mhantat. Paise vaparlech nahi tar ka bharayche mazi bayko pregnant ahe tila satat phone karun tras d'etat.
                                  Aipat nahi tar vaparta kashala mhantat. Payment karun sudha customer la harresment kartat.
                                  Dec 20, 2018
                                  Complaint marked as Resolved 
                                  HDFC Bank customer support has been notified about the posted complaint.
                                  Nov 19, 2018
                                  Updated by Pragati Shelar
                                  [protected]/67647102/67647178/67473749/67473681/they are called from different no
                                  Verified Support
                                  Nov 19, 2018
                                  HDFC Bank Customer Care's response
                                  Dear Customer,

                                  Let us look into it for you. Please share your Card No. with registered contact info & the issue on [protected]@hdfcbank.com. Mention this Ref No. TTU[protected] in the subject of your mail so it'll help us track your e-mail.

                                  -Anay
                                  HDFC Bank Customer Assistance
                                  59 rs. Deduct my account on 17.11.2018
                                  Pls give me resion and confirm...
                                  Requested to close my credit card but bank people want me to come personally to bank for closing credit card. Is it necessary or can i do it online.
                                  Amazon made a transaction and they provide us refund reference number but amount still not submit in my account
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