Victim of wrong MCC code - Lost a significant amount of money due to surcharge

[snake]

View attachment 64028
They probably even checked the forum and discussions

Yes they published after reading whole story and comments, they've mentioned reaching to Ombudsman too as commented by me.

 

[pranavjindal999]

I am using iOS, here is the process..!
IDFC app--->credit card-->select transactions tab/slider (not the icon)--->click on individual transaction--->download receipt
I have highlighted the MCC code in the pic

I could not find this on android app. No way to download receipt.
Just showing transaction.

 

[hpatel]

You should file asap.

Update: Despite continuous follow ups, the dealer is not responding at all. Seems he did this on purpose. Phonepe (the acquiring bank) atleast responded and refunded me with only the fuel surcharge after more than a month long fight. But that does not at all compensate the impact I had in terms of milestone benefits and the RPs of diners black and the extra charge I paid to the dealer. So I requested the bank to file the chargeback. The bank however is asking me whether you want to file charge back for the entire amount or just the extra charges?

Can you please suggest what should I tell the bank. Also the any other place I can take this issue to before filing a chargeback?

 

[CMGCMG is verified member.]

Update: Despite continuous follow ups, the dealer is not responding at all. Seems he did this on purpose. Phonepe (the acquiring bank) atleast responded and refunded me with only the fuel surcharge after more than a month long fight. But that does not at all compensate the impact I had in terms of milestone benefits and the RPs of diners black and the extra charge I paid to the dealer. So I requested the bank to file the chargeback. The bank however is asking me whether you want to file charge back for the entire amount or just the extra charges?

Can you please suggest what should I tell the bank. Also the any other place I can take this issue to before filing a chargeback?

If you have taken the vehicle, do not do full chargeback unless you have another receipt to show the full payment made to the dealer via another way.

 

[V G]

Update: Despite continuous follow ups, the dealer is not responding at all. Seems he did this on purpose. Phonepe (the acquiring bank) atleast responded and refunded me with only the fuel surcharge after more than a month long fight. But that does not at all compensate the impact I had in terms of milestone benefits and the RPs of diners black and the extra charge I paid to the dealer. So I requested the bank to file the chargeback. The bank however is asking me whether you want to file charge back for the entire amount or just the extra charges?

Can you please suggest what should I tell the bank. Also the any other place I can take this issue to before filing a chargeback?

Do a full chargeback and mentioned that you never got the fuel. Let the dealer reply that he sold car. This way at least phonepe will know that machine was misused.
But you should stick to the fuel purchase only. Without any proof of fuel being delivered, I think there is high chance that charge back will be successful.

 

[Nemil]

Update: Despite continuous follow ups, the dealer is not responding at all. Seems he did this on purpose. Phonepe (the acquiring bank) atleast responded and refunded me with only the fuel surcharge after more than a month long fight. But that does not at all compensate the impact I had in terms of milestone benefits and the RPs of diners black and the extra charge I paid to the dealer. So I requested the bank to file the chargeback. The bank however is asking me whether you want to file charge back for the entire amount or just the extra charges?

Can you please suggest what should I tell the bank. Also the any other place I can take this issue to before filing a chargeback?

Bhai, go for a full chargeback. Let the dealer suffer. Also as someone mentioned earlier, file a complaint with Hundai higher authorities as well.

Btw, good to see someone here from Surat 😅

 

[creditlover]

Update: Despite continuous follow ups, the dealer is not responding at all. Seems he did this on purpose. Phonepe (the acquiring bank) atleast responded and refunded me with only the fuel surcharge after more than a month long fight. But that does not at all compensate the impact I had in terms of milestone benefits and the RPs of diners black and the extra charge I paid to the dealer. So I requested the bank to file the chargeback. The bank however is asking me whether you want to file charge back for the entire amount or just the extra charges?

Can you please suggest what should I tell the bank. Also the any other place I can take this issue to before filing a chargeback?

I think if you put full charge back, the dealer may retaliate and will get a tussle. What you want is to get the refund of extra that you paid atleast, plus the worth of rewards point. So may be put chargeback only for such amount. In this case the dealer may even not notice that this amount was not realised, and you may be happier.