I had done a transaction on MyJio on 30th november 2021 for purchasing recharge vouchers worth Rs 6363. The transaction was decline but the amount was deducted from my credit card.
On 12th Jan 2022, I received a mail from kotak stating that merchant has rejected to refund the amount.
I have attached proof of JIO customer care (merchant) chat clearly stating that the transaction was declined and amount needs to be refunded back.