SBI Unipay: Credit Card Bill Payments Failed - Customers Struggle with Refunds

[6ix9ine]

@desiviru
@rafzy
Received refund in the evening for transaction failed on 19th March .
Escalated on social media ,they told that it was processed on 21st .Still they were clueless why it was not credited in 5 days .
I complained to Nodal office also .Got a reply from them also, as they are further checking and will revert.
I have decided to now go for compensation for delay as per the RBI guidelines of T+5 days from original transaction date .
I have checked details , refund should be within 6 days for debit card from original transaction date .
Any delay further would be compensated by INR 100 per day till refund is credited .
Will update further here.

This is completely normal for unipay, based on your recent comments. I would advise to not use unipay for paying your cc bills, as it often test the patience and hope you understand that many could have raised the complaint for delaying but nobody does it.

Reason is pretty simple.

 

[rafzy]

@desiviru
@rafzy
Received refund in the evening for transaction failed on 19th March .
Escalated on social media ,they told that it was processed on 21st .Still they were clueless why it was not credited in 5 days .
I complained to Nodal office also .Got a reply from them also, as they are further checking and will revert.
I have decided to now go for compensation for delay as per the RBI guidelines of T+5 days from original transaction date .
I have checked details , refund should be within 6 days for debit card from original transaction date .
Any delay further would be compensated by INR 100 per day till refund is credited .
Will update further here.

Jist checked mine, still not showing..giess I'll have to wait for 2 more days as mine was failed on 21st march. Hopefully ill see it by early next week 🤞

 

[rafzy]

This is completely normal for unipay, based on your recent comments. I would advise to not use unipay for paying your cc bills, as it often test the patience and hope you understand that many could have raised the complaint for delaying but nobody does it.

Reason is pretty simple.

Ya.. lesson learned
Never using unipay again.

 

[Ginee]

Is this compensation for real bank is saying 45 days tat to resolve🥲🥲any other way also will get unnecessary cibil hit too....

 

[Macd215]

Is this compensation for real bank is saying 45 days tat to resolve🥲🥲any other way also will get unnecessary cibil hit too....

Yes you can do that .
If bank is giving vague reason for refund and delaying and you can prove this that the said amount caused you lose your credit worthiness ,this will easily work.
Saw on Reddit .Someone followedup on 1k rs payment which was done through hdfc app itself and bank silently refunded him after 45 days .He got 4.5k in total post 2 months .
It's going to be tough route as bank will give xyz reasons but eventually RBI's law will prevail and if your situation is valid ,you will get the compensation.

 

[rafzy]

@desiviru did you receive yours?
It's been 13 days for me and still not refunded. SBIUNIPAY custcare (only email no phone option) is useless as no response.
SBI chargeback status still shows "in progress". They initially said 45 days... But I thought it should be sorted in2 days since it's a payment failed issue.
🙁

 

[desiviru]

@desiviru did you receive yours?
It's been 13 days for me and still not refunded. SBIUNIPAY custcare (only email no phone option) is useless as no response.
SBI chargeback status still shows "in progress". They initially said 45 days... But I thought it should be sorted in2 days since it's a payment failed issue.
🙁

Most of my failed txn came back on 5th working day. You have exceptional case. Wait for sometime, it will come eventually this week. That's why I always say not to escalate things soon. Atleast wait 14 days before taking up matter. Max time is 30 days. But you can ask for compensation after 7 days which is a long and patience testing thing.

Don't worry much, you will get your money back.

 

[rafzy]

Finally got my refund at around 6pm today. Done with UNIPAY!!!

 

[SamPtnk]

Failed on 4th
Should I wait more or raise a charge back ?

 

[6ix9ine]

Failed on 4th
Should I wait more or raise a charge back ?

You will receive it automatically, by the end of this month. It has been only 4 working days since the 4th april.

Typically, it takes 7 to 15 working days for unipay refunds.

 

[Arnal07]

Failed on 4th
Should I wait more or raise a charge back ?

I never had a failed transaction with sbi dc on unipay.Had many failed transactions with hdfc platinum dc and everytime the refund was credited in 5-6 working days.