| Name of Complainant | |
| Date of Complaint | May 2, 2022 |
| Name(s) of companies complained against | Dhani |
| Category of complaint | Banking |
| Permanent link of complaint | Right click to copy link |
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i have a dhani onefreedom card
on 14th april 2022, my card was blocked citing unauthorised transaction and i was asked to clear all dues to unblock the card, dues which i’m to pay over a period of 3 months in equated installments
i was informed that i used PAYTM to make a transaction, which is unauthorised by dhani and hence the action, inspite of my repeated calls that i have not used dhani with paytm (i can show records in my paytm app, the dhani execs even went to extent insisting i must have used it cause i was in need of money, the amount being Rs 1496
i tracked by payments and it turns out i had used the card on the pharmaeasy app, by using the pay by debit/credit card option, i spoke to them and they provided me the invoice where it clearly mentions my payment was a card payment
dhani first refuses to accept my replies and then says even if what i say is true, their system shows it as a paytm/noida payment, hence they refuse to unblock my card, insist i clear all dues and are charging me an interest
ive faced this issue for the 2nd time, the first time i ignored and assumed i made some mistake and paid up, that was my mistake, i should have followed up with dhani
my question to dhani were
how is the customer supposed to know that the app or portal transaction is unauthorised, if it s, why did u allow the transaction to be completed and why penalise the customer for something he is not aware of if the backend system has a paytm link
what is the guarantee in future i wont face same issue, they have no reply to this expect that my card can get blocked again
i think dhani is behaving in a very arrogant manner, they accept that my transaction was genuine on the pharmaeasy app, but since their system has flagged it as paytm, they refuse to take action
i even requested they unblock my card, remove the interest fees and continue my monthly payments since they agree i didnt do it intentionally or even my fault but they are blunt about it, they want me to pay
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