[Resolved] HDFC Bank — amount refunded by amazon not credited to my card

[email protected]

Apr 27, 2020

Address: New Delhi

Amount refunded by Amazon Rs 3239.10 not credited to my card. This amount was credited to my credit card No [protected].

Refund reference # 045419, this amount was processed by amazon on 4 April 2020, but till date its not processed by hdfc bank.

Kindly let me know when the amount would start reflecting in account

I tried contacting customer care but was not able to do so because of COVID-19 crisis .

I have even sent couple of mails to my HDFC relationship manager, but haven't heard anything on that.

It's more than 3weeks and not sure when the amount would be credited back

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Aug 7, 2021

Complaint marked as Resolved

HDFC Bank customer support has been notified about the posted complaint.

Verified Support

May 14, 2020

HDFC Bank Customer Care's response Dear Customer,

We confirm that the refund will be generally credited in 10-12 working days from the date of merchant confirmation. If it is not credited within the timeframe, request you to send us the duly filled and signed form which is available at the below link to cc.[protected]@hdfcbank.com along with the refund confirmation proof from the merchant to enable us to do the needful.
https://bit.ly/3cv755S

-Zubin
HDFC Bank Customer Assistance

Verified Support

May 14, 2020

HDFC Bank Customer Care's response Dear Customer,

We have checked our records and confirm that the charge of Rs. 1, 116.90 levied to your account pertains to ACH debit return.

In terms of Clearing guidelines, issued by RBI, the clear funds balance available in the account at the beginning of the day would be considered for the purpose of ACH(s) received in clearing. We note that in your said account, the clear funds balance at the time of presentation of the said ACH(s), was not sufficient to cover the ACH(s) received in clearing.

Therefore the ACH(s) was returned due to insufficient funds and the corresponding charges for ACH(s) dishonor were levied to your account. Kindly note that these charges attract GST as applicable.

We advise you to maintain sufficient clear funds balance in the account in the future, at the time of issuance of the ACH(s), to avoid the ACH(s) return charges being levied to your account.

-Zubin
HDFC Bank Customer Assistance