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.