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I made a hotel booking on the 5th august 2020 for accommodation at royal orchid metropole mysore, check in on 13th august for a duration of one night by accessing secure. Agoda.com website, selecting visa / master card in the drop down menu and providing all details of my name, hdfc credit card number complete with cvv number for a booking with free cancellation option. Thereafter i did get a message alert at 4.59pm from hdfcbank providing an otp 487600 for a transaction of rs.2147.95 at paytm app on card ending 5013 valid till 17:02:10 hrs.
Immediately on my authorising the transaction with the otp, i got another message alert from hdfcbank stating that i have spent rs. 2147.95 on credit card xx5013 at playgoogle1121386. Initially i did not consider any diversion of my payment, but realised that it was so as i never got any booking confirmation id from agoda.com even the next day. I tried to cancel the booking but was unsuccessful due to the absence of any booking id. Contacting agoda.com customer service got me a response that there was no booking in my name or reference to my email.
I have taken up the matter again with hdfc bank but they are stressing the point that i have initiated the transaction, and are asking for a email / letter on agoda.com letterhead that they have not received any payment with respect to my booking. It is surprising that though hdfcbank has already acknowledged that payment was effected to playgoogle1121386 there seems yo be a great deal of reluctance in accepting that the payment has been diverted by paytm app. Furthermore it is surprising to note that a similar diversion of funds has happened in the recent past, to be precise a debit card of one mr. Sundarapandian was divested of funds to the extent of rs.8457.00 on 29/09/2018 and the amount was transferred to playgoogle1121386 which is an identical beneficiary.
I took the action of blocking my card the next day and have been charged rs100.00 for replacing my card. Had i not taken this action, my credit card would have been a target for further diversions as the cvv number was already known.
I therefore feel that the personnel in either hdfc and paytm or in both have colluded to continue the cyber crime which was carried out almost two years ago. Yet hdfc has not been able to address the lapses in their systems.
I require a refund of the amount debited as there was a deficiency in service in respect of the fund transfer, and it is a repeat occurrence as far as hdfcbank is concerned. Was this information helpful? | 
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