HDFC bank deducted the refund amount instead of refunding it! 😲

[Ankurcc]

After browsing Technofino for a few months and even following its founder on X, I finally created my account here just now to share what I have just experienced.

I paid for my Swiggy food order using my HDFC Swiggy credit card today at 8:15 PM. A few items from the order were missing, so, at 9:36 PM, Swiggy's bot chat support refunded me nearly half the amount I had paid.

However, HDFC bank, instead of refunding me, automatically deducted/charged that refund amount to my credit card at 9:53 PM. It happened without any OTP. How is that possible? This amount (which should have been refunded) shows as a new expense in my HDFC credit card statement in the app and MyCards!

How is that even possible?

 

[akshayhs]

Refunds do not get processed so quickly. Are you sure? Please post screenshots to illustrate your point.

 

[Ankurcc]

I have attached several screenshots here. You can see that Swiggy sent me a refund of 114 (original order amount was 239), but HDFC bank instead of refunding it (which I understand and expereinced that it takes a few days) deducted that refund amount. When I got the text SMS and email saying 114 rupees has been deducted, I thought it may be a faulty text and email. But even the HDFC app and MyCards shows the deduction of 114 rupees as you can see in the screenshot.

You can also see that I have no Swiggy food or Instamart order of 114 rupees today.

 

[Ankurcc]

Refunds do not get processed so quickly. Are you sure? Please post screenshots to illustrate your point.

I have posted several screenshots. Waiting for "moderator approval" so everyone can see.

 

[Ram1]

Wait 1 more day,some transactions take 1 day to be visible in unbilled transactions. if u don't get clarity, raise complaint from hdfc side.

 

[Ankurcc]

Wait 1 more day,some transactions take 1 day to be visible in unbilled transactions. if u don't get clarity, raise complaint from hdfc side.

The problem is this is not a transaction in the first place. Swiggy refunded me 114 rupees. But HDFC somehow deducted 114 rupees instead of crediting it. It’s strange.

I understand that the Swiggy refund may come in 3-4 days. But that will be the actual refund. What about this 114 deduction that HDFC has done without any OTP or authorization.

I emailed them right away. Waiting to hear back