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Credit card bill payment: unable to trace payment

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Deal Lieutenant
whitewalker
Guys,
I have paid the Axis bank credit card bill payment on 02 Nov through Paytm .
Paytm gave me confirmation that payment has been deposited to bank and provided me bank reference number.

But Axis Bank denying receiving any payment. They said they can't trace the fund using that bank reference number.
What to do. Please suggest
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Deal Cadet Deal Cadet
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Connect with paytm and tell them to give more proof, or Connect with axis and slove the matter asap.
Deal Cadet Deal Cadet
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Lodge your grievance at RBI OMBUDSMAN with all the proofs.

Benevolent Benevolent
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Why always Axis bank cold_sweat cry
Pro Analyst Pro Analyst
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What do you want to convey, bro? Do you want other banks & CC Issuers to replicate Axis?... stuck_out_tongue_winking_eye

Whatever be, but it's a scary situation to read these grievances.

Sometimes, I feel like I should close all my CCs and return to the Pre-CC life, like @androgame lives.
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Deal Subedar Deal Subedar
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Mine too .. paid via cred and get successfull but not reflected on axis  . complaint on axis ... 7 days crossed...always work in progress rage
Mobile Guru Mobile Guru
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Paid late night? (11pm/12am). Cred payments are not always instant during this period, instead of IMPS they process bill payments via NEFT. Anyways payment should reflect in your cc statement very soon (with settlement date same as bill payment one or next day*)
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Deal Lieutenant Deal Lieutenant
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I also registered a complaint in RBI and wrote to nodal officers of both Paytm and Axis bank.lets see. Final option is I have to file a legal case with lawyer.

Deal Lieutenant Deal Lieutenant
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After 3 week of struggle, Paytm nodal officers finally called me and asked my card number saying they will verify with backend. 2 dys back they told me that you hve entered wrong card number and payment credited towards different card and not your card.

I m asking Paytm to tell me which card they credited the payment but chor Paytm denying me sharing information citing privacy reasons.

This is completely fraud.

How can I trust Paytm that they are saying i have entered wrong card number if they are not providing me the details.


paytm asking me to contact bank but without card details what i suppose to tell axis bank.

I registered complaint in rbi and consumer forum against paytm.

Any other things i can do ?

Pro Analyst Pro Analyst
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Through Paytm Wallet or UPI?

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Deal Newbie Deal Newbie
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I have also paid Axis Flipkart Credit Card payment thru Cred on 1st December successfull but yet not reflected on Axis. worried worried
Deal Subedar Deal Subedar
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That's why also pay to card company directly and prefer to pay via neft, cause once details are saved, there is no chance of payment to some other account.....
Deal Lieutenant Deal Lieutenant
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Axis bank not allowed to pay cc bill of you don't have account. sad
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Deal Lieutenant Deal Lieutenant
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I am just praying that Axis bank will help to identify that card and reverse the payment 

Deal Cadet Deal Cadet
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Lawyer charges another 5k..which will add up to your cost...i filed a case few years back...spent lot of money...after some years lawyer is not responding...not sure on the case status...so be careful while filing...try filing without lawyer
Generous Generous
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Same issue happened here in month of October, Axis said can't find reference number , paytm said successful at our end. It was paid using saved card so no chance of wrong details entered.

After forcing paytm to look into issue many times, one day all of a sudden payment was credited in Axis with same date of when payment was made (almost one month later)

---

Even if Paytm made payment to wrong card , wouldn't Axis have found the reference number though not against your account. And how does paytm know what is your correct card number 
Benevolent Benevolent
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He shared his CC number with Paytm's nodal officer.

Yes,using the reference number provided by Paytm, Axis can track the CC account the payment was credited to.


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Deal Lieutenant Deal Lieutenant
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Amount was 13800 rs

Helpful Helpful
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Try paying least amount again 10 rs or 100(least allowed) and check whether CC is yours or not.
this is scary, i never check whether amount gets deposited or not,i  pay from different websites( cred, mobikwik,paytm, amazon etc).Will be careful from now on
Deal Newbie Deal Newbie
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Happend this while paying with cred, axis bank. In my case payment credited after due date but bank considered the actual pay date Realized that if we pay in banking hours payment will be realized with in 10 min
Helpful Helpful
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In december, 2020 I made similar mistake of paying 50000/- to 8509 whereas correct number is 8059. Unfortunately with these both numbers cards are in existence (by initiating a transaction we can check it, if page goes upto otp means card is there with that number). Then I tweeted Axs support team, they asked so many documents viz., payment deduction reflecting (source bank) statement, transaction confirmation (mobikwik) statement, correct card statement & it's image. To initiate the process, they took lot of time but once its initiated it hardly a matter of 7 days to verify and transfer that credit from unintended to correct card. That one month was a sleepless to me. In this entire process, mobikwik didn't helped even a inch, entire help was done Axis bank only. Since then, I am taking utmost care.

Deal Subedar Deal Subedar
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I always first add 10 rupees using the credit card in Mobikwik wallet and after that pay the bill so that the card gets saved and no chance of wrong credit card number.

Helpful Helpful
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saving cards in mobikwik is not safe so your suggestion is not recommendable.
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Cool Cool
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I always pay credit card bill from Paytm and Cred and never face such issue max they take 2 to 3 days. however we have to enter card details twice and can someone enter wrong card details twice. it might be a bug.

Helpful Helpful
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AXIS is most pathetic and worst ever Bank (Especially CC department)😈 

Helpful Helpful
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It is expected from toxic work place their attrition levels highest among the banks In 2021 it is about 30%
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Budding Star Budding Star
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I always do payment in parts to avoid large headache...smaller headache is easy to take...

Helpful Helpful
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As long as they offering some shitty cashbacks to lure customers.. they (axis)are the dogs and having thr days...the day this Cb thing over they will get dumped faster than exes..

Karma

Deal Newbie Deal Newbie
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Try sending 1 rs again. Sometimes it needs a push

Post Emperor Post Emperor
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You have to take it in writing from axis bank.. an email is fine.. that they have not recd the funds relating to the  reference number provided by paytm. Forward their email to paytm. Chances are when u ask for it in writing Axis bank may find the transaction joy

Deal Subedar Deal Subedar
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Yesterday i paid my AXIS credit card bill via neft. Rec'd message of credit in 5 hrs Max. And also the payment is reflecting on the app.... Payment via cred/Paytm etc can mess up sometimes....

Deal Newbie Deal Newbie
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CRED is better
Deal Cadet Deal Cadet
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I did the payment on 2dec showing in cred credit successfully but still not reflect in cc app
Helpful Helpful
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Same here triumph
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Deal Newbie Deal Newbie
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Ahh I see

Deal Newbie Deal Newbie
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ask bank for UTR no. this is unique reference no for banking system

Deal Subedar Deal Subedar
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I have paid axis card through HDFC bill pay. 5 days gone payment not reflecting

replyuser
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