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Refund and compensation releated

Subhajeet

TF Premier
Paid credit card bill using sbi unipay and card used was hdfc bank debit card, the amount was debited, from bank account but was not credited to my card and refunded after 8 days as per RBI this should be refunded with in 5 days want to file the complaint against whom the merchant or bank will i need to file the complaint to get penal interest for delay beyond TAT.

date of transaction 30/10/24, refund received 07/11/24, as per bank refund received from merchant as on 07/11/24, merchant stating refunded as on 05/11/24 please duie me.
 
Paid credit card bill using sbi unipay and card used was hdfc bank debit card, the amount was debited, from bank account but was not credited to my card and refunded after 8 days as per RBI this should be refunded with in 5 days want to file the complaint against whom the merchant or bank will i need to file the complaint to get penal interest for delay beyond TAT.

date of transaction 30/10/24, refund received 07/11/24, as per bank refund received from merchant as on 07/11/24, merchant stating refunded as on 05/11/24 please duie me.
have complained against sbiunipay they are pointing fingers at hdfc and hdfc when complaint filed pointing fingers at the merchant please guide
 
Paid credit card bill using sbi unipay and card used was hdfc bank debit card, the amount was debited, from bank account but was not credited to my card and refunded after 8 days as per RBI this should be refunded with in 5 days want to file the complaint against whom the merchant or bank will i need to file the complaint to get penal interest for delay beyond TAT.

date of transaction 30/10/24, refund received 07/11/24, as per bank refund received from merchant as on 07/11/24, merchant stating refunded as on 05/11/24 please duie me.
Between 30/10 & 7/11 there were 2 Bank holidays & 1 Sunday. So Bank has refunded you the amount in 5 "working" days
 
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