sunilh
TF Buzz
I had placed a laptop order on Flipkart for approx. 64k on 07 May 2025, During delivery (09 may) time as old laptop exchange wasn't accepted by the agent I cancelled the order as I had got additional 10k discount for exchange along with the laptop exchange amount, later on the same day (09 may) flipkart refunded the entire amount credited to my SBI Cashback Card which is also in mentined in my may statement. Despite this, SBI wrongly converted that cancelled transaction into a 3 month EMI.
When I complained by email, SBI first denied receiving any refund (which was false, since it was already shown in their own statement) and asked me to send the proof of refund. Even after I sent Flipkart's official confirmation with refund reference numbers, SBI did not reverse the charges. Instead, they closed tickets with irrelevant responses. Out of fear of late fees and credit score damage, I was forced to pay all three EMIs.
On 26th August I complained to the RBI Ombudsman and just after 2 days an SBI Card Representative who's handling the Case called me but instead of addressing the EMI issue she tried to shift the blame. She said my bills looked "less" because the refund created an excess balance, but in reality SBI just used my refund to cover their false EMI charges. She also claimed the EMI wasn't placed by SBI but by me with Flipkart, so it was my responsibility to cancel it with Flipkart but Flipkart had already refunded the full amount within 3 days, so there was nothing left to cancel, the EMI was wrongly created later by SBI itself. She kept repeating "sir, you paid less because of the excess," which is misleading because the only reason my bill looked less was that my refund was wrongly adjusted, I still ended up paying all 3 EMIs even after the order was canceled and refunded. Basically, instead of accepting fault, SBI is trying to misguide me and shift blame onto me and Flipkart.
Honestly, it felt like she had prepared a script just to confuse me and shift blame, She kept asking dates and mixing things up to confuse me, and I told her I wasn't able to understand the the way she was saying it.
She ended the call saying she'd explain again later but never called back. I even have the call recording.
Now I'm worried SBI may tell RBI "we explained to customer, not our fault" and try to close my case without fixing it.
When I complained by email, SBI first denied receiving any refund (which was false, since it was already shown in their own statement) and asked me to send the proof of refund. Even after I sent Flipkart's official confirmation with refund reference numbers, SBI did not reverse the charges. Instead, they closed tickets with irrelevant responses. Out of fear of late fees and credit score damage, I was forced to pay all three EMIs.
On 26th August I complained to the RBI Ombudsman and just after 2 days an SBI Card Representative who's handling the Case called me but instead of addressing the EMI issue she tried to shift the blame. She said my bills looked "less" because the refund created an excess balance, but in reality SBI just used my refund to cover their false EMI charges. She also claimed the EMI wasn't placed by SBI but by me with Flipkart, so it was my responsibility to cancel it with Flipkart but Flipkart had already refunded the full amount within 3 days, so there was nothing left to cancel, the EMI was wrongly created later by SBI itself. She kept repeating "sir, you paid less because of the excess," which is misleading because the only reason my bill looked less was that my refund was wrongly adjusted, I still ended up paying all 3 EMIs even after the order was canceled and refunded. Basically, instead of accepting fault, SBI is trying to misguide me and shift blame onto me and Flipkart.
Honestly, it felt like she had prepared a script just to confuse me and shift blame, She kept asking dates and mixing things up to confuse me, and I told her I wasn't able to understand the the way she was saying it.
She ended the call saying she'd explain again later but never called back. I even have the call recording.
Now I'm worried SBI may tell RBI "we explained to customer, not our fault" and try to close my case without fixing it.
