Recent content by ankitarora

And this was my last email to the Cards Escalation Desk and the RBL Bank PNO: " Dear Mr. Gupta, I acknowledge receipt of your email dated 07 September 2026 under Reference 124509174. Your written position - asserting that the merchant refund and the EMI conversion are "two separate and...

And from Shine.com this was the last proper email on 21st Aug: " Dear Mr. Arora, Greetings from Shine.com We confirm that Shine.com has processed a full refund of ₹1,49,438.16, which constitutes the exact amount the company received for your purchase, as a goodwill gesture. Please note that any...

I I have filed a case on e-Jagriti portal as well to no avail. And Shine.com and RBL are playing blame games by trying to put the blame on the other party. Shine.com is saying that they have refunded the whole amount, and RBL is saying that Shine.com has refunded the amount but not the...

Losing all hope right now. Even RBI claims that RBL Bank is right and RBL is asking for more charges to close the EMIs, and at one time they're saying the EMIs are not related to the merchant and at some places they themselves are saying that the merchant hasn't refunded the full amount and so...

This is what they had replied on my grievance on consumerhelpline.gov.in And yet, I haven't been refunded the full amount, and the EMIs are still on.

Status Update - August 1, 2026 RBL Bank's Stand: RBL Bank’s PNO Desk submitted a response to the RBI Ombudsman admitting that merchant refunds of ₹53,471.02 were received on June 23, 2026, prior to converting the transactions into EMIs on June 24, 2026. However, they refuse to cancel the EMIs...

Evidence Type: Email from RBL Bank PNO Desk (Reference No: 121643477) received on July 14, 2026. Key Issue: RBL Bank is actively refusing to cancel or pre-close the unauthorized, fraudulent EMI plan that they forced onto my credit card following a merchant fraud incident on June 22, 2026. Unfair...

The Fraud & Deadlock: Despite extensive documentation and a 2.5-week waiting period, both Shine.com and RBL Bank have refused to resolve the unauthorized split-billing dispute. RBL stubbornly maintains they will not cancel the EMIs until the merchant processes the complete refund. The Contrast...

🚨 URGENT HELP NEEDED: Merchant Skimmed Funds & RBL Bank Is Forcing 15% Interest EMIs For Canceled Service! I am posting this out of absolute despair. This systemic fraud by the merchant and the total failure of RBL Bank has triggered severe panic attacks, anxiety, and physical hand tremors over...

The merchant (HT Media Ltd / Shine.com) has reached out under a new Incident ID (VJMA-816329) attempting to force a goodwill settlement clause of ₹1,49,438.16. I have officially rejected this case closure for the following reasons: - Shortchanged Balance: Their official ledger proves they have...

Edit: This was all done on 22nd June. Shine.com sent a message at 1:27 AM on 23rd June that "Your Applications Will Be Highlighted" After that I wrote this post, and then sent an email as a Legal Notice to these parties regarding ₹1,48,218 being extracted from me using intimidation and coercion...

Description of Event:On June 22, 2026, I was contacted by representatives from Shine.com under the pretext of standard job placement assistance. What followed was a highly calculated, aggressive, and relentless multi-hour telephonic trap designed to break down my mental defenses. Over a...