Amount is deducted from the Kotak credit card, but the order is not placed yet.
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I ordered an article of Rs. 5000 from Amazon with the Kotak Urbane Gold Credit Card. I deposited the money, and in place of the confirmation message, it routed back to the payment page again.
I didn't understand what just happened. The money is deducted from my account, but Amazon says the order is pending.
I did the transaction on December 18th, but I did not get the money back even after talking to the bank as well as Amazon. I don't have any idea what to do now.
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First, see what's the status of the transaction. If it says "pending," it will take 7-8 days for the money to be sent back to your account. If not, carefully look over your bank records to make sure you remember the exact amount that was taken out and the date and time of the transaction.
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Contact Kotak Bank's customer care and tell them about the whole situation; they will raise the dispute for a failed transaction.
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If Amazon received the money, the bank will provide the Transaction Reference Number (ARN).
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Contact Amazon customer care and explain the whole situation to them. Give them the order number, the date of the purchase, and any error messages you get. Send them the ARN and some other information, then ask for a return or the order to be filled.
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If nothing else works, email Kotak Bank's customer service and ask for a refund. Send them all the proofs, like screenshots, bank records, and information about your Amazon order. Then wait 30 days.
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If the bank is not able to resolve your issue, then write to RBI Ombudsman through the CMS portal (https://cms.rbi.org.in/).
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