HDFC Bank — refund not received

Flipkart has processed my refund on 4th of july and i was supposed to receive the refund by 9th of july. However, i have not received any refund as of 13 july.

Also, on 7th of july, i have been charged an amountpf rs. 99 + gst as emi processing charge and a loan has been activated on my credit card.

I have been trying to reach to hdfc customer care and was never connected to any agent.