सफलता की कहानी / Success Story #2961741

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NCH Docket No.:	2961741	Dated:	2021-09-17	Sector:	Banking
Problem Reported:	Consumer had paid the bill of his Bank of Baroda credit card in mid-August 2021 through an APP, which showed that the transaction was successful, but after a few days he got to know that the transaction had failed. This resulted in the payment of his credit card being overdue, and due to this, the bank charged around ₹1000 as penalty charges on his card. Later, although the consumer got the refund of the failed transaction the penalty charges were already levied by the bank. Consumer had informed the same to the bank, but had not got any response from them.
Escalation by NCH:	As the Bank is a convergence partner of the National Consumer Helpline; the grievance was responded by the Bank on the NCH Portal stating “We would like apprise by our concerned department/branch/office that charges have been reversed in your card account & same is reflecting in your statement dated xxxx 2021.”
Consumer Remark in INGRAM:	Consumer called up NCH to inform that the amount of ₹1018.16 was reversed by the bank.