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

[Ash8]

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?

People waiting for further update since an year 🥲

 

[lucifer69]

One possibility is to raise dispute with credit card company stating that you did purchase the fuel but did not receive fuel yet. However, need the advice from other members of the community whether that is possible or not.

Just checking on it. Shall I go this way and file chargeback? Short story; purchased iPhone, Flipkart tagged School fees

 

[lucifer69]

They will not give you the reward money. To get your fuel surcharges refunded, file a chargeback with HDFC Bank, stating that you purchased fuel using your card but did not receive any fuel. Let PhonePe and the dealer suffer.

I know filing a false chargeback is not right, but they are not doing the right thing either.

Shouldn't they be asking me as well to give proofs that I did purchased fuel?

I have similar case and planning to do same by asking I paid for school fees and did not recieved any so SBI will ask me as well to furnish proof right?