Reserve Bank Of India [RBI] — complaint against hdfc ergo/ sbi chargeback department

Address:

Gautam Buddh Nagar, Uttar Pradesh, 201305

I need help from rbi for resolving this issue. Please find below the details that you required:-

1) name and address of the complainant - (शिकायतकर्ता का नाम एवं पता)
Virender s/n of mr harbans lal
29 om colony new model town near choudhry hospital
Haryana -132103

2) complete address of the bank / company against which the complaint has to be lodged - बैंक/कंपनी, जिसके खिलाफ शिकायत है, का नाम एवं पता
Broker name :- coverfox insurance broking private limited (Branch code:[protected]
Hdfc agro:- leela business park, 6th floor, andheri - kurla road mumbai, 400059 (Ph:[protected]
Sbi credit card:- bldg 3, infinity tower, tower c, dlf cyber city, block 2, gurugram, haryana 122002 (Phone:[protected]

3) complaint /the facts giving rise to complaint in brief - (शिकायत का वर्णन)

Complaint regarding my sbi credit card (Card no starting with 5287 and ending with 0362 and name on card is virender) and hdfc agro policy number[protected]. On 13th aug 2018 at 5:45 a. M, i receive a message from sbi credit card that the transaction of rs 3008 has been done through hdfc ergo bill desk and again at 8:37 a. M, i receive another sms that your credit card has been blocked due to suspected activity. When we investigate this issue we came to know that amount was deducted by coverfox and hdfc ergo for car insurance for policy number[protected]. When i call hdfc agro/coverfox they told me that they cancelled the policy and refunded the amount. But the amount was not credited in my sbi credit card till date. Now sbi made that amount of rs 3008 to rs 7694 (Till date) by adding late fees charges. Refer attached sbi statement from aug 2018 to jan 2019 (Password for all statement are [protected]).

But when i call hdfc agro/coverfox they told me that policy was cancelled by us and amount was refunded in sep 2018. Refer attached screenshots that hdfc agro/coverfox has provided to me. I didn't know whose fault is there but i didn't get the money in my account.

I called sbi/hdfc agro/coverfox so many times and send more than 50 emails in last 6 months but no one provide resolution till date. Sbi chargeback team who handles this case say they didn't get money from merchant and closed this issue after their investigation. It's already 6 months passed and sbi/hdfc agro/coverfox didn't provide resolution and my credit card goes down by more than 300 points (From 850 to 532) due to unprofessional executives behaviour which is not acceptable at any cost. I have to take a loan, i got stuck just because all of them. I need resolution asap please clear all balances so that my cibil score goes up.

I told them all (Coverfox/hdfc agro/sbi chargeback team) to coordinate with each other, try to resolve this matter asap and reflect the amount of rs 3008 in virender's credit card beginning with 5287 and ending with 0362. But no one provide the resolution till date.

4) relief sought from rbi - (Rbi से क्या सहायता अपेक्षित है)

I want rbi to look into this matter and help me in getting refund from sbi/hdfc agro/coverfox so that my cibil score goes up as i didn't want to defaulter at any cost.

Attached all screenshots/statements that i receive from sbi credit card/hdfc agro/coverfox

Regards,
Virender
[protected]