| Name of Complainant | |
| Date of Complaint | October 28, 2023 |
| Name(s) of companies complained against | Benow swipe, Vivo |
| Category of complaint | E-Com & Retail |
| Permanent link of complaint | Right click to copy link |
| Share your complaint on social media for wider reach | |
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Seller Details: I purchased an electronic product from Munjal Electronics, abohar. The product was priced at 59,999 rupees.
No-Cost EMI Offer: On purchasing, I was offered a 9-months no-cost EMI option, which I agreed upon. The transaction was made using my ICICI bank credit card. The seller used the Benow merchant service to convert this payment into EMIs.
Discrepancy in Bank Statement: After the transaction, my bank statement reflected a 9-months EMIs with interest. When I raised this concern with the seller, he assured me that the caahback of 4067.93/- would be credited back to me as cashback within 90 days.
False Assurance: 150 days passed without any cashback. On inquiring again, the BENOW then claimed the cashback would be provided but this did not happened even after 10 mails dropped from my side.
Bank’s Stand: Upon consulting with ICICI bank customer care, I was informed that your EMIs are not No cost emi, and these are included interest They clarified that I had been misguided by the seller.
Unresponsive Merchant: I tried reaching out to Benow several times, the merchant service involved in this transaction, but I have received no response or clarification from them.
As a result of this discrepancy, I ended up paying an extra 4,067.93/- rupees INTEREST on a product worth 59999/- rupees.
I have raised complaint to Benow and ICICI as well. But both are saying that it is now our fault.
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