HDFC Bank — Urgent Request: Refund for Failed EMI Transaction Booking ID: IF[protected]

I was attempting to book a flight ticket through Ixigo under Booking ID: IF[protected] and mistakenly selected the EMI payment option using my HDFC debit card. However, the transaction failed because online payments were not enabled on my debit card at that time.

Since the booking did not go through, I proceeded to book the tickets through my husband instead. Despite the failed transaction, the loan amount of ₹10, 449 was still deducted from my account in three EMIs.

I have made multiple calls to both the Ixigo support team and my HDFC Relationship Manager, including their reporting manager, but I have not received any resolution. I also followed up via email with Ixigo, and they confirmed that the ticket under Booking ID: IF[protected] was never successfully booked and that no payment was received from HDFC Bank.

It has now been over three weeks, and I have still not received any confirmation—neither a call nor an email—regarding the refund or status of the deducted amount.

Below are the relevant details:

Customer Name: Smita Rai

Loan Number:[protected]

Transaction Description: Flight Ticket Booking

Reference/Application Number: HDFC b2b319e635b

Total Amount Deducted: ₹10, 449 (in 3 EMIs)Since May 2025, I have been consistently following up on this issue, but unfortunately, there has been no resolution. As a working professional, it is extremely difficult for me to find time to repeatedly chase this matter. The ongoing delay and lack of support have caused me a great deal of stress and frustration—it has truly been emotionally exhausting.I request your urgent attention to this matter and a refund of the deducted amount at the earliest. Please confirm receipt of this message and provide an update on the resolution process.

Thank you for your support.

Best regards,
Smita Rai