Syndicate Bank — failed upi transaction and bank is not responding

Address:

575002

Dear sir,

1. Syndicate bank account
[protected] (Ifsc sinb000106)

2. Sbi account [protected] ifsc sbin0004928

I have remitted rs. 10000 using bhim upi app to state bank account on 09.10.2017.

Transaction was rejected and account was debited to my account.

Sbi has informed that the transaction was returned to the remitter on
10-10-17.

From 09.10.2017, i am trying to get back my amount. Now your bank customer care asking to lodge a complaint with branch. I have sent mail to branch and customer care but they are insisting physical complaint at branch.

Why have to waste my time and money to go the branch for just making attempt to sending money digitally.?

Why syndicate bank is holding money without crediting???

Regards

Yogeesha k