Used SBI JCB Platinum Rupay Credit card for Internation Transaction and Charged Twice - Complaint Not moving forward - Need help

[sarathtg]

Hi All,

<Typo in the Title - It is debit card only>

I made a USD 197.50 transaction for a exam voucher purchase from Linux foundation, San Fransisco on 11th Dec 2024(Approx Forex rate = 84.85). The payment was successful and I noticed that there were two debits on 11th Dec (one for 16,757.48 and another one for 84.85). I thought the second transaction was due to some forex payment related issue.

Usually I don't hold more money on SBI account but one of my FD got matured and the amount got credited back to the savings and suddenly on 14th Dec Sat - another 16,672.63 got debited with some transaction remarks lilke - DEBIT <BranchInfo> Surchage/Tips <Transaction reference to that Rs.84.85 on 11th Dec> DT101.

I immediately sent an email to the SBI branch and moved most of my funds to my other accounts. Monday 16th December 2024 I visited the branch manager and he wasn't even ready to listen and asked me to contact the SBI customer care - Upon talking with customer care they told it is a branch debit and only Manager can work on the same. Again waited and went to the manager - got same response to contact customer care. Spoke with customer care , got same response but still persisted to raise a complaint- Finally complaint was raised. Then upon meeting the manager again he told if complaint gets forwarded to branch will work on it. Same day evening around 4 pm I got a call from Manager asking the problem and kept. After that there has been no progress and it is almost a week since the debit has happened.

I am planning to reach to customer care and branch manager on Monday again. I wanted to check if anyone else has faced this issue ? if the branch manager is not taking any action - how to escalate it further? Any inputs would be really appreciable.

 

[6ix9ine]

@Abhishek012 SBI JCB RuPay CC bhi aata hai?

As for you, it seems that the branch manager isn't helping you. Send an email straight to PNO, and if they don't help you either, then go for the RBI ombudsman.

 

[nh124001]

get official email id of branch manager, first raise complaint with customer care and branch manager on their official email ids, then to nodal officer and pno, don't do verbal communication or branch visit

 

[Anupama_Jha]

@Abhishek012 SBI JCB RuPay CC bhi aata hai?

As for you, it seems that the branch manager isn't helping you. Send an email straight to PNO, and if they don't help you either, then go for the RBI ombudsman.

SBI savings accounts don’t have a PNO; only GM and AGM handle such roles.

 

[Anupama_Jha]

get official email id of branch manager, first raise complaint with customer care and branch manager on their official email ids, then to nodal officer and pno, don't do verbal communication or branch visit

Official email id of branch not branch manager.

SBI savings accounts don’t have a PNO; only GM and AGM handle such roles.

 

[Anupama_Jha]

Hi All,

<Typo in the Title - It is debit card only>

I made a USD 197.50 transaction for a exam voucher purchase from Linux foundation, San Fransisco on 11th Dec 2024(Approx Forex rate = 84.85). The payment was successful and I noticed that there were two debits on 11th Dec (one for 16,757.48 and another one for 84.85). I thought the second transaction was due to some forex payment related issue.

Usually I don't hold more money on SBI account but one of my FD got matured and the amount got credited back to the savings and suddenly on 14th Dec Sat - another 16,672.63 got debited with some transaction remarks lilke - DEBIT <BranchInfo> Surchage/Tips <Transaction reference to that Rs.84.85 on 11th Dec> DT101.

I immediately sent an email to the SBI branch and moved most of my funds to my other accounts. Monday 16th December 2024 I visited the branch manager and he wasn't even ready to listen and asked me to contact the SBI customer care - Upon talking with customer care they told it is a branch debit and only Manager can work on the same. Again waited and went to the manager - got same response to contact customer care. Spoke with customer care , got same response but still persisted to raise a complaint- Finally complaint was raised. Then upon meeting the manager again he told if complaint gets forwarded to branch will work on it. Same day evening around 4 pm I got a call from Manager asking the problem and kept. After that there has been no progress and it is almost a week since the debit has happened.

I am planning to reach to customer care and branch manager on Monday again. I wanted to check if anyone else has faced this issue ? if the branch manager is not taking any action - how to escalate it further? Any inputs would be really appreciable.

Send email to

gm.customer@sbi.co.in

And check, which AGM falls out in your area.

Addresses And Helpline Nos Of Grievances Redressal Cell At Local Head Offices - Customer Care

sbi.co.in

Do cc agm and branch.

 

[sarathtg]

So far I have email communication to the branch email id and also the customer care email id. Have most of the communication there only. Will ask for status on Monday , if not will escalate it to chief manager -> regional manager -> dgm and gm. Worst case to RBI ombudsman after 30 days since initial complaint.

From the vendor side also I confirmed that only one payment went through and they recieved only one payment and shared their transaction reference also.

 

[Anupama_Jha]

So far I have email communication to the branch email id and also the customer care email id. Have most of the communication there only. Will ask for status on Monday , if not will escalate it to chief manager -> regional manager -> dgm and gm. Worst case to RBI ombudsman after 30 days since initial complaint.

From the vendor side also I confirmed that only one payment went through and they recieved only one payment and shared their transaction reference also.

Sent email to above shared IDs and do mention Manager rude behaviour and not helping. He will cry brutally

 

[r1210user]

Hi All,

<Typo in the Title - It is debit card only>

I made a USD 197.50 transaction for a exam voucher purchase from Linux foundation, San Fransisco on 11th Dec 2024(Approx Forex rate = 84.85). The payment was successful and I noticed that there were two debits on 11th Dec (one for 16,757.48 and another one for 84.85). I thought the second transaction was due to some forex payment related issue.

Usually I don't hold more money on SBI account but one of my FD got matured and the amount got credited back to the savings and suddenly on 14th Dec Sat - another 16,672.63 got debited with some transaction remarks lilke - DEBIT <BranchInfo> Surchage/Tips <Transaction reference to that Rs.84.85 on 11th Dec> DT101.

I immediately sent an email to the SBI branch and moved most of my funds to my other accounts. Monday 16th December 2024 I visited the branch manager and he wasn't even ready to listen and asked me to contact the SBI customer care - Upon talking with customer care they told it is a branch debit and only Manager can work on the same. Again waited and went to the manager - got same response to contact customer care. Spoke with customer care , got same response but still persisted to raise a complaint- Finally complaint was raised. Then upon meeting the manager again he told if complaint gets forwarded to branch will work on it. Same day evening around 4 pm I got a call from Manager asking the problem and kept. After that there has been no progress and it is almost a week since the debit has happened.

I am planning to reach to customer care and branch manager on Monday again. I wanted to check if anyone else has faced this issue ? if the branch manager is not taking any action - how to escalate it further? Any inputs would be really appreciable.

It looks like issue with Linux foundation. I think 84.85 is token charge. I have raised this issue with Linux foundation. Lets see

I used my Bob eterna card, after entering details of card and clicking on save icon I was charged 84.85 and then 290 usd for the exam voucher from Linux foundation.

 

[Abhishek012]

@Abhishek012 SBI JCB RuPay CC bhi aata hai?

As for you, it seems that the branch manager isn't helping you. Send an email straight to PNO, and if they don't help you either, then go for the RBI ombudsman.

Yes, SBI JCB RuPay CC - Paytm, Octane, Reliance, Apollo, Yatra, OLA Cards are SBI JCB RuPay CC.

Par usne SBI RuPay JCB Debit Card use kiya hai. Kyunki SBI bank bata raha hai.

 

[Abhishek012]

It looks like issue with Linux foundation. I think 84.85 is token charge. I have raised this issue with Linux foundation. Lets see

I used my Bob eterna card, after entering details of card and clicking on save icon I was charged 84.85 and then 290 usd for the exam voucher from Linux foundation.

Yo, @sarathtg both of your debits of Rs16,672.63 have the same transaction ID in the bank statement or were they different?

Sometimes, recurring payments are also debited later.

If the transaction number is the same, it means it's the bank's fault. But if the transaction numbers are different, there's a high chance that the Linux Foundation deducted the money twice.

 

[sarathtg]

It looks like issue with Linux foundation. I think 84.85 is token charge. I have raised this issue with Linux foundation. Lets see

I used my Bob eterna card, after entering details of card and clicking on save icon I was charged 84.85 and then 290 usd for the exam voucher from Linux foundation.

I raised the ticket with Linux foundation and they confirmed that only one payment got credited to their account from their side and shared their transaction reference.

If it's a token charge and further balance debit , would it automatically gets credited back or should we work with the Linux foundation or SBI side ?

 

[sarathtg]

Yo, @sarathtg both of your debits of Rs16,672.63 have the same transaction ID in the bank statement or were they different?

Sometimes, recurring payments are also debited later.

If the transaction number is the same, it means it's the bank's fault. But if the transaction numbers are different, there's a high chance that the Linux Foundation deducted the money twice.

The transaction IDs are different. It's not the same. Like @r1210 mentioned it looks like token charge of 84.85 got debited and the full amount also debited. After sometime when my account had money, the branch debited remaining amount with some reference to the 84.85 transaction.

Linux foundation keeps saying that there is only one successful payment from their side.Looks like will need to work with both of them

 

[Abhishek012]

The transaction IDs are different. It's not the same. Like @r1210 mentioned it looks like token charge of 84.85 got debited and the full amount also debited. After sometime when my account had money, the branch debited remaining amount with some reference to the 84.85 transaction.

Linux foundation keeps saying that there is only one successful payment from their side.Looks like will need to work with both of them

Ok, you can apply chargeback for your 2nd transaction amount Rs16,672.63

Register your complaint here - https://crcf.sbi.co.in/ccf

later, you can complaint to higher level but chargeback takes some time.

Rs84.85 i think card verification only, you will get auto refund within 10 working days.

 

[sarathtg]

Ok, you can apply chargeback for your 2nd transaction amount Rs16,672.63

Register your complaint here - https://crcf.sbi.co.in/ccf

later, you can complaint to higher level but chargeback takes some time.

Rs84.85 i think card verification only, you will get auto refund within 10 working days.

Thanks a lot @Abhishek012 for the response. Hopefully next week the refund comes.

I have already have one complaint open by contacting customer care last Monday. That is sufficient or do you suggest to raise one more?

I can see the status of that ticket still "in progress" stage and it has info like Branch related.

 

[Abhishek012]

Thanks a lot @Abhishek012 for the response. Hopefully next week the refund comes.

I have already have one complaint open by contacting customer care last Monday. That is sufficient or do you suggest to raise one more?

I can see the status of that ticket still "in progress" stage and it has info like Branch related.

Wait for their reply. If you don't receive a refund or if it's rejected, then ask them to initiate a chargeback.

International chargebacks can take anywhere from 30 to 90 days.

For a normal chargeback, if it's rejected, then apply for a second chargeback by providing a screenshot of the merchant's email reply as proof.

 

[sarathtg]

Thanks for all the inputs. Last week the team simply closed the ticket saying that they are checking with forex team, upon checking the status. I escalated it to Regional manager and senior manager - then the amount which was debited second (Except the first USD 1) has been reversed finally.

It was a very very bad experience with SBI customer care overall. Initially the Manager was not ready to take up the complaint and I was bombarded a couple of times between customer care and manager before even registering the complaint. After that there was not much info/progress and just closed the ticket when asking status after a week. Finally escalating to Regional manager they reversed the money.

Hope that USD 1 is just the verification amount and it would be reversed by itself

Special thanks to @Abhishek012 for recommending this debit card last year because of which I saved Forex charges.

And all others for their suggestions

 

[Anupama_Jha]

Thanks for all the inputs. Last week the team simply closed the ticket saying that they are checking with forex team, upon checking the status. I escalated it to Regional manager and senior manager - then the amount which was debited second (Except the first USD 1) has been reversed finally.

It was a very very bad experience with SBI customer care overall. Initially the Manager was not ready to take up the complaint and I was bombarded a couple of times between customer care and manager before even registering the complaint. After that there was not much info/progress and just closed the ticket when asking status after a week. Finally escalating to Regional manager they reversed the money.

Hope that USD 1 is just the verification amount and it would be reversed by itself

Special thanks to @Abhishek012

Send email to

gm.customer@sbi.co.in

And check, which AGM falls out in your area.

Addresses And Helpline Nos Of Grievances Redressal Cell At Local Head Offices - Customer Care

sbi.co.in

Do cc agm and branch.

Par emails to maine diya tha😭😅

Koi nhi, commander hi credits lele.....

 

[Abhishek012]

Par emails to maine diya tha😭😅

Koi nhi, commander hi credits lele.....

Haha.. Maine toh bola he nahi credit dene ko.. Chalo tumhe rakh lo.

(Except the first USD 1)

@r1210user has also used in Linux Foundation. Ask him, his Rs84.85 (USD 1) was reversed or not.

I know about BOB RuPay JCB Credit Card. It holds "USD 1" If any website holds it and send a debit SMS, but it doesn’t send SMS for the reversal. However, it gets auto-reversed in 10-15 days. If you check the available balance on the credit card, you can figure it out.

Now, I don’t know about the SBI RuPay JCB Debit Card.

 

[jeh]

@Abhishek012 Finally got JCB rupay today! But I'm getting errors like "Your card has not been charged. Your card does not support this type of purchase." or "Declined by Bank" for online transactions using SBI JCB Rupay DC. I've tried using on Uber and Amazon and worked just fine btw. So the problem is with international transactions it seems. I double checked again and again - international transactions and ecomm both is enabled. I tried disabling and enabling again too.

What could be the reason? How to fix?