
SBI CC NOT REFUNDING
I purchased a gold coin from BlueStone i have ordered couple of times but on 27 September i used my SBI Credit Card. Since the order was getting delayed, I cancelled it on 29 September.Around 6–7 October, my SBI credit card statement was generated, and it included the payment for this cancelled order. I understand that refunds take time, so I initially didn’t make a big deal out of it.
However, today, 10 October, BlueStone has confirmed via email that my refund has been processed and has also provided me with a VRN.In the meantime, I had already raised a dispute with SBI Card and submitted the necessary evidence, including BlueStone’s refund confirmation.
Now comes the frustrating part. I received a response from an SBI Card representative named Shajar, and honestly, it feels like my complaint wasn’t even properly read or understood before replying.I mean, what exactly am I supposed to do here? Pay for a gold coin that I never received, cancelled, and for which the merchant has already confirmed the refund?I understand that a refund can take time to reflect in a credit card account. My concern is that BlueStone says the refund has been processed and has provided a reference number, yet I’m getting nowhere with SBI Card.
To make matters worse, I can’t even raise another dispute against the same transaction through their system. So if the response to my existing dispute doesn’t address the issue, what am I supposed to do next?At this point, I genuinely don’t know whether BlueStone has actually completed the refund on the payment network or whether SBI Card has failed to trace or credit it. That’s exactly what I want the bank to investigate instead of sending a response that doesn’t resolve anything. Im thinking to raise this concern to RBI Ombudsman