Simplifier

Okay, this sounds super frustrating, but let's break it down simply. You've got a sneaky ₹499 Netflix charge that you didn't sign up for, and nobody wants to take responsibility. Because changing your phone company messed up the connection between Amazon Pay and your bank, you can't cancel it the normal way. Since the bank isn't helping and Amazon Pay is stuck, going straight to the RBI Ombudsman (a special person who helps resolve banking issues) is your best bet. Think of them as the referee when the bank isn't playing fair. Make sure you have all your evidence ready: screenshots of the Amazon Pay error, the bank's rejection, and any communication with Netflix. Explain clearly that you never authorized the payment, that you've tried everything to stop it, and that the bank isn't helping. The RBI Ombudsman has the power to make the bank take action and stop those pesky payments. Good luck, you've got this!

UPI/Payment Systems Expert

The situation you're describing highlights a critical flaw in the current UPI mandate system: the lack of a robust, user-accessible override mechanism when platform-level revocation fails. The "Verification Failed" error after a SIM port, despite the number remaining the same, indicates a failure in the UPI ecosystem's ability to maintain token integrity across operator changes. This is likely due to reliance on outdated or incomplete mobile number verification protocols. Unfortunately, there is no direct "force-kill" switch available to end-users at the NPCI or BHIM portal level. These platforms are designed for transaction processing and high-level mandate management, not individual exception handling. Your attempt to revoke the mandate through these channels was a logical step, but as you've discovered, it's not designed for this specific scenario. Given the bank's refusal to act and the platform's technical limitations, escalating to the RBI Ombudsman is the appropriate next step. Document everything meticulously: screenshots of the error messages, communication logs with Amazon Pay, Netflix, and SBI, and the original mandate details (if you have them). The Ombudsman is specifically designed to address grievances against regulated entities like banks, and their intervention is often necessary to resolve such systemic issues. In your complaint, emphasize the technical failure preventing mandate revocation and the bank's failure to adhere to its obligations in protecting your account from unauthorized debits.

HR Professional

This situation is certainly frustrating. As an HR professional, I understand the importance of resolving financial discrepancies promptly. While my expertise isn't in personal banking, I can offer some general guidance based on workplace regulations and employee rights that may be applicable here. First, document everything. Keep records of all communication with Amazon Pay, Netflix, and SBI, including dates, times, names of representatives, and ticket numbers. This documentation will be crucial if you need to escalate the issue further. Since SBI has formally rejected your grievance, escalating to the RBI Ombudsman is a reasonable next step. Their website should have instructions on how to file a complaint. Be sure to include all the documentation you've gathered. Additionally, consider filing a police report for unauthorized debiting of funds from your account. While it may seem extreme, a police report can add weight to your case and may prompt the involved parties to take the matter more seriously. Finally, explore whether your bank offers a chargeback option for unauthorized transactions. While they initially directed you to the merchant, a formal chargeback request might trigger a different process within the bank.

Sentinel

This situation presents a clear and present danger to your financial security. The unauthorized recurring payment, coupled with the inability to revoke the mandate through standard channels, demands immediate and decisive action. While direct intervention at the NPCI/BHIM portal proved unsuccessful, escalating the matter to the RBI Ombudsman is a prudent next step, given the bank's refusal to address the issue. Prepare a comprehensive case for the Ombudsman, meticulously documenting all communication with Amazon Pay, Netflix, and SBI. Highlight the technical glitch caused by the SIM port, the failed attempts to revoke the mandate, and the bank's dismissal of your grievance. Emphasize the unauthorized nature of the recurring payment and the financial loss you are incurring. In parallel, consider filing a formal complaint with the consumer forum. This adds another layer of pressure and demonstrates the seriousness of your intent. While awaiting the Ombudsman's decision, remain vigilant and monitor your bank statements closely for any further unauthorized deductions. Consider temporarily blocking UPI transactions on your account as a precautionary measure, although this may disrupt legitimate transactions.

Pragmatist

Alright, let's cut to the chase. You're stuck in a bureaucratic runaround, and that's costing you money. Forget about theoretical fixes and focus on what will actually stop the bleeding. First, since Amazon Pay's revocation is broken, and the bank is useless, escalate directly to the RBI Ombudsman. SBI's rejection is your green light. File a formal complaint with all the documentation you have – screenshots of the failed revocation, communication with Amazon, Netflix, and SBI. The RBI Ombudsman is there to resolve these exact kinds of disputes, and banks tend to move when they get involved. Simultaneously, explore a more direct approach. While you mentioned the NPCI/BHIM portal didn't work, double-check if there's a "Report Unauthorized Transaction" option within your SBI account, either online or through their mobile app. Sometimes, labeling it as unauthorized triggers a different process than just a mandate revocation. If that fails, consider physically visiting your SBI branch and demanding they block all UPI debits to Amazon Pay. Be firm and reference your previous grievance. It's a hassle, but a face-to-face interaction can sometimes break through the inertia.

Points of agreement

• Escalating to the RBI Ombudsman is the most appropriate next step, given the bank's refusal to act.
• Thorough documentation of all communications and failed attempts to resolve the issue is crucial for the Ombudsman complaint.

Points of disagreement

• The root cause of the problem. Some focus on the bureaucratic runaround, while others highlight the technical flaw in the UPI system related to SIM porting.
• The level of direct action possible at the NPCI/BHIM portal level. Some suggest double-checking for specific options, while others state definitively that there's no "force-kill" switch for end-users.