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Reserve Bank Of India [RBI] — amount not refund since 6th nov 2018

This is with regard to the email that you have sent to us about your Order No:[protected] regarding the payment.

I understand your concern towards the refund.

As per your concern, I have checked and found that while placing an order your payment got declined that means payment gateway did not receive confirmation from your bank payment got canceled.

The payment got declined on 6 November 2018 and we have also sent you a mail regarding the same on 7th Nov 2018.

Let me explain how the payment decline works :

1. When you place an order, we will contact your bank to give us the authorization to charge your account.

2. Your bank will reserve the funds, then your account will show as a debit.

3. We will wait for 15 minutes for your bank to give us the authorization to charge your account.

4. If the bank delays the process, our server window will be closed and the payment will be failed.

5. Your amount will be stuck in your bank server.

Your payment is safe in your bank server. Amazon has not received it.

I kindly request you to get in touch with the bank customer care and the transaction reference number is APL945c4b252ca[protected]e4878dc035cc so kindly help them with the transaction number so that they will help you with the refund.

Dear Mr. Kumar,

We refer to your e-mail regarding ICICI Bank Savings Account XXXXXXXX5902.

As per your e-mail, you have mentioned that the appended transaction was done by you. However, the merchant claimed that he has not received the said amount.

06/11/18 UPI UPI/[protected]/Request from Am/[protected]@apl/Axis B DEBIT 399.00

The basis for your complaint, we have initiated a dispute. We make the necessary verifications when a dispute request is been placed. This is carried out under great care and scrutiny.

We have raised the chargeback on your behalf to the concerned merchant/merchant's bank. As per the clarification received by the merchant/merchant's bank, the dispute has been processed and the cardholder is made liable.

We have obtained the details pertaining to the transaction from the acquiring bank of the said merchant. As per the appended details, the queried transaction was successfully paid to the merchant:

Payer Name: Mr. Lakshman Kumar
Payer mobile no: 90XXXXXX73
Payer account no: XXXXXXXX5902
Amount: Rs. 399.00
Transaction ID: [protected]
Transaction date :[protected]:21:29

Payee name: Amazon
Payee account no: 1000XXXXXX465
Payee IFSC: UTIB0000001
Acquirer reference date/RRN:[protected]/[protected]
Acquirer Bank: Axis Bank

Hence, we regret our inability to accede to your request for reversal of the disputed amount. We request you to get in touch with the merchant for verification and recovery of the disputed amount.

We request you to treat this as our final stand with regard to the concern raised by you.

Finally, no one is helping me.

Lakshman Kumar
amount not refund since 6th nov 2018

Complaint Status

[May 08, 2019] Reserve Bank of India [RBI] customer support has been notified about the posted complaint.
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