Situation: Bill payment got reverted back, and got fined for late transaction

[Tonymathew]

November 9: Paid 34471 to HDFC card from sbiunipay using idfc select dc. Received message nextvday morning. "Dear HDFC cardmember, 34471 credited to your cc ending with xxxxxx". However, I had not recieved. However, I did not recieve message from idfc about debit.

November 12: Due date

November 20: Recieved message : 'Payment of amount 34471 was reverted back. Kindly pay urgently". Checked the statement, the amount that was recieved was reverted. Went to unipay, the transaction was showing failed. Checked idfc account statement, no debit even occured.

Nov 20: Paid the bill again

Nov 22: New statement. Financial charge of Rs 1635.

*** So the situation, to make it simple, hdfc messages about credited amount. Then a week after the due date, I was messaged that the amount was reverted back. And I am forced to pay 1635.

The bank did not send a reminder of reversed payment, did not remind of the pending amount, neither on sms or via mail. The reversal was intimated on 20th only

N.B.: Will be paying this fine anyway, as I don't want tension.

Plan to tackle.
1) Going to visit Branch tomorrow
2) Message customer service.
3) PNO
4) RBI ombudsman, as final resort, if all other options are closed.

Now all those, who knows about these rules, suggest me whether I am liable to be fined, or was it banks mistake, which can be flight and won?

Update:
Plan 1 failed outright.
November 27- BM denied it has nothing to do with HDFC, as payment was done via 3rd party app (unipay). He was saying, the bounce might have been due to insufficient balance, which prompt the fine. Showed him statement, there was more than 1 lakh in idfc at the time. He told to mail him formally. So mailed him and moved to next level (plan 2 and 3).

Update 2
November 27- GST component of 294 added now.. so total is now 1929

Update 3 -*FINAL UPDATE*
Nov 28- within 24 hours of mailing as per plan 2, the entire amount of 1635 was reversed, leaving aside the GST component (the government is earning quiet a lot huh!!)

P.S: Special Thanks for some people, whose comment motivated me to pursue this to any extent, which was not needed, afterall. And to those who could not stop ROFL... 🥳🥳.

NOT EVERYONE are experts at faking INNOCENCE.. 🕺💃

 

[Raavan]

First answer these
1. Did bank reminded you of due date anytime?
2. Do you have screenshots of payment successful and payment reverted?

Payment of amount 34471 was reverted back. Kindly pay urgently

3. Did the above message came from HDFC or unipay

In any case, Mail to HDFC Bank with the screenshots of SMS along with card statement and ask to reverse the charges as you made the payment. But hdfc reverted it back.
also tell them that as per RBI guidelines the bank needs to inform about the due amount before due date which they didn't

 

[Tonymathew]

First answer these
1. Did bank reminded you of due date anytime?
2. Do you have screenshots of payment successful and payment reverted?

3. Did the above message came from HDFC or unipay

In any case, Mail to HDFC Bank with the screenshots of SMS along with card statement and ask to reverse the charges as you made the payment. But hdfc reverted it back.
also tell them that as per RBI guidelines the bank needs to inform about the due amount before due date which they didn't

1) Not after the payment was done on 9
2) All screenshots and sms still on the phone
3) Message came from HDFC and not unipay

 

[lovecards]

When transactions are successful in unipay then we get to know on the webpage itself and it has download receipt option also there.. and then once those transactions are successful we get SMS/email also that transaction was successfully processed.. if you didn't get these then most probably your transaction failed at the first stage only

 

[Tonymathew]

When transactions are successful in unipay then we get to know on the webpage itself and it has download receipt option also there.. and then once those transactions are successful we get SMS/email also that transaction was successfully processed.. if you didn't get these then most probably your transaction failed at the first stage only

Initial page is successful. Also how have I got message from HDFC saying :dear carbmember, 34471 credited to your card' on that day, and not the reverted back part after 10 days?

 

[lovecards]

Initial page is successful. Also how have I got message from HDFC saying :dear carbmember, 34471 credited to your card' on that day, and not the reverted back part after 10 days?

I hear you.. sadly this is not the first time, it has happened to other folks as well who reported such experiences in some other threads

 

[Tonymathew]

I hear you.. sadly this is not the first time, it has happened to other folks as well who reported such experiences in some other threads

Yes . I am reading that thread only now.. anyway will pay the amount straightaway, and then approach customer team. Failure of an amicable response, will prompt me towards RBI ombudsman and compensation pathway for not informing customer

 

[Raavan]

1) Not after the payment was done on 9
2) All screenshots and sms still on the phone
3) Message came from HDFC and not unipay

Done then you are safe.
Mail HDFC with all screenshots and card statement where it shows reverted transaction after due date.


Also check your credit report for late payment reportings. May not be updated now, probably next month.
Right now just mail hdfc how i said here and earlier reply. Do not mention about credit report.
Incase they report late payment then fight with HDFC seperately. Two compensations
Paisa hi paisa

 

[Tonymathew]

Done then you are safe.
Mail HDFC with all screenshots and card statement where it shows reverted transaction after due date.

Ok.. will get into action from tomorrow..

 

[VISHESH_BANSAL]

Plan to tackle.
1) Going to visit Branch tomorrow
2) Message customer service.
3) PNO
4) RBI ombudsman, as final resort, if all other options are closed.

What do you think, HDFC will do the revesral without asking SBI , the reason

HDFC will just ask you to share Bank statement reflecting the Debit of Rs.34,471 dated 9th November 2024 againt SBI Unipay And You will become speechless🤣

 

[Sudbht]

I might be getting similar situation. My Payment for hdfc credit card went through SBI Unipay without debiting my account and since it was paid in full there was no way i was able to pay the amount again after it shifted to bbps system.

 

[Tonymathew]

What do you think, HDFC will do the revesral without asking SBI , the reason

HDFC will just ask you to share Bank statement reflecting the Debit of Rs.34,471 dated 9th November 2024 againt SBI Unipay And You will become speechless🤣

The question is not only whether the money was debited or not. The question is with respect to a delayed message of reversion, that was sent 10 days later

 

[Farhad sekh]

You wrote it "situation" in the heading

I was reading it " situationship"

Lol 😆

 

[Aniket]

November 9: Paid 34471 to HDFC card from sbiunipay using idfc select dc. Instantaneously received message "Dear HDFC cardmember, 34471 credited to your cc ending with xxxxxx"

November 12: Due date

November 19: Recieved message : 'Payment of amount 34471 was reverted back. Kindly pay urgently". Checked the statement, the amount that was recieved was reverted. Went to unipay, the transaction was showing failed. Checked idfc account statement, no debit even occured.

Nov 20: Paid the bill again

Nov 22: New statement. Financial charge of Rs 1635.

*** So the situation, to make it simple, hdfc messages about credited amount. Then a week after the due date, I was messaged that the amount was reverted back. And I am forced to pay 1635.

N.B.: Will be paying this fine anyway, as I don't want tension.

Don't get offended bro!

I guess which might be untrue (less possibility), you're just trying to show yourself innocent by lying/hiding essential facts but you're not, actually. Trying to hide your intentions, two other members also did the same but they are truthful and they knew about it, one's txn got reversed as well, managed to get the charges waived off as a goodwill gesture on request and other's txn is not yet reversed, however, he paid again by due date. He (other) acted maturely as he were aware about the possible negative outcome and acted accordingly.

Why am I telling you're not innocent though trying hard to be in infront of us?

It's because you didn't receive any debit SMS from IDFC, when you did txn, it was just a glitch or bug. You are saying you only cared to checked the IDFC txn history/statement when reversal is made, lol 🤣? Really? The way HDFC sent you the amount is Cr. ..., IDFC was also supposed to send your A/c is Dr. ..., if there was an actual debit but you didn't care, why hadn't you receive an SMS, because you're aware about the glitch, very well, that's all. Otherwise one who is really innocent would have cared to know why he didn't receive SMS from IDFC and then could have checked IDFC's txn history from the mobile/ internet banking.

Plan to tackle.
1) Going to visit Branch tomorrow
2) Message customer service.
3) PNO
4) RBI ombudsman, as final resort, if all other options are closed.

Now all those, who knows about these rules, suggest me whether I am liable to be fined, or was it banks mistake, which can be flight and won?

Good luck with your plan. 🤞🌚

 

[Tonymathew]

Don't get offended bro!

I guess which might be untrue (less possibility), you're just trying to show yourself innocent by lying/hiding essential facts but you're not, actually. Trying to hide your intentions, two other members also did the same but they are truthful and they knew about it, one's txn got reversed as well, managed to get the charges waived off as a goodwill gesture on request and other's txn is not yet reversed though he paid again by due date. He (other) acted maturely as he were aware about the possible negative outcome and acted accordingly.

Why am I telling you're not innocent though trying hard to be in infront of us?

It's because you didn't receive any debit SMS from IDFC, when you did txn, it was just a glitch or bug. You are saying you only cared to checked the IDFC txn history/statement when reversal is made, lol 🤣? Really? The way HDFC sent you the amount is Cr. ..., IDFC was also supposed to send your A/c is Dr. ..., if there was an actual debit but you didn't care, why hadn't you receive an SMS, because you're aware about the glitch, very well, that's all. Otherwise one who is really innocent would have cared to know why he didn't receive SMS from IDFC and then could have checked IDFC's txn history from the mobile/ internet banking.


Good luck with your plan. 🤞🌚

😂😂 Nothing to say

 

[aashuuuu]

God's plan baby 😸

 

[Sudbht]

Don't get offended bro!

I guess which might be untrue (less possibility), you're just trying to show yourself innocent by lying/hiding essential facts but you're not, actually. Trying to hide your intentions, two other members also did the same but they are truthful and they knew about it, one's txn got reversed as well, managed to get the charges waived off as a goodwill gesture on request and other's txn is not yet reversed, however, he paid again by due date. He (other) acted maturely as he were aware about the possible negative outcome and acted accordingly.

Why am I telling you're not innocent though trying hard to be in infront of us?

It's because you didn't receive any debit SMS from IDFC, when you did txn, it was just a glitch or bug. You are saying you only cared to checked the IDFC txn history/statement when reversal is made, lol 🤣? Really? The way HDFC sent you the amount is Cr. ..., IDFC was also supposed to send your A/c is Dr. ..., if there was an actual debit but you didn't care, why hadn't you receive an SMS, because you're aware about the glitch, very well, that's all. Otherwise one who is really innocent would have cared to know why he didn't receive SMS from IDFC and then could have checked IDFC's txn history from the mobile/ internet banking.


Good luck with your plan. 🤞🌚

How can we pay the bill if its already paid in full by this glitch?

 

[VISHESH_BANSAL]

How can we pay the bill if its already paid in full by this glitch?

In such case HDFC Netbanking is preferred if you have savings Account with HDFC otherwise IMPS/NEFT is Preferred .

Moreover Bank has has their Own Repayment Portal Backed by BillDesk.

Bharat Connect is preferred as we get the Benift of Paying with DCs.

 

[Sudbht]

In such case HDFC Netbanking is preferred if you have savings Account with HDFC otherwise IMPS/NEFT is Preferred .

Moreover Bank has has their Own Repayment Portal Backed by BillDesk.

Bharat Connect is preferred as we get the Benift of Paying with DCs.

Na bhayya if its already paid then how can we repay the same amount since we do not get option once its paid in full.

 

[Aniket]

How can we pay the bill if its already paid in full by this glitch?

In such case HDFC Netbanking is preferred if you have savings Account with HDFC

If you have SA, BM/IB is first preferred method.

otherwise IMPS/NEFT is Preferred .

2) To make payments through it:
Payee/Beneficiary Name: As per your Credit Card(CC) A/c
A/c No. : Your CC Number
A/c type, if asked: Credit Card
IFSC: HDFC0000128

UPI option is not available for HDFC.

Moreover Bank has has their Own Repayment Portal Backed by BillDesk.

HDFC Bank Credit Card Bill Payment

Now pay HDFC Bank Credit Card bills online from any bank account!

www.billdesk.com

Note: You will find disclaimer; please make the payment only to the extent of outstanding on your HDFC Bank Credit Card. It will be at the discretion of HDFC Bank to reject any payment made above the outstanding on your card.

Bharat Connect is preferred as we get the Benift of Paying with DCs.

Bharat Connect which was previously known as BBPS. Almost, all are using BBPS only after RBI's direction.