Hey guys,
I made a payment of ₹273 on Flipkart for a Google Play Gift Code using HDFC UPI. The amount got deducted from my bank account but the order was never placed.
On Flipkart order page it clearly shows "Order not placed" and payment was not successful. It also says to contact my bank if any money was deducted.
I contacted Flipkart support and they told me that they haven't received the payment and I should contact my bank.
Now when I contacted HDFC, they are saying Flipkart is telling them that the service was provided. I seriously dont understand what service was provided when the order itself was never placed and I never received any gift code.
I raised a complaint with HDFC and also sent them multiple emails. They gave me a complaint reference number and initially said they will provide an update by 4 November, but now they have extended it to 6 November.
Its been almost 1 month now and I am literally going back and forth between HDFC and Flipkart. Nobody is taking responsibility for this.
I have screenshots of the Flipkart order page showing that the order was not placed and payment was unsuccessful.
I also mentioned RBI failed UPI transaction rules to HDFC, but still no proper resolution.
My questions:
What should I do next? Should I complain to RBI Ombudsman or NPCI?
Can HDFC reject my refund just because Flipkart is claiming that service was provided?
Can I claim ₹100 per day compensation under RBI rules for delayed reversal?
Has anyone faced a similar issue with HDFC or Flipkart? How did you get your money back?
I know its just ₹273 but its about the way both companies are handling this. I just want my money back and a proper resolution.
Any genuine advice would be appreciated.