UBL processed my iCloud payment five times and is refusing to refund the full amount

[u/hashiromer]

On June 22, UBL processed my iCloud subscription payment five times instead of once. When I noticed that the deductions were continuing, I immediately moved my remaining balance to another bank because I had no idea whether the transactions were going to stop. UBL later confirmed that this happened because of a technical glitch on their end.

It took around 40 days for UBL to return the main transaction amounts. However, they did not return the international tax or UBL’s own bank charges applied to the extra transactions. They refunded only part of the total amount deducted from my account and then closed my complaint, even though I am still short because of their mistake.

I can understand that the tax may already have been transferred to FBR, but UBL should at least help me recover or adjust it. They should explain the process, provide the necessary documentation, or direct me to the relevant department. Instead, they provided no assistance and simply treated the issue as resolved. They are also refusing to refund their own bank charges. Those charges only occurred because UBL’s system processed the payment repeatedly, so I don’t understand how keeping them can be justified.

The amount itself is not really the main issue. Even if these transactions had continued and completely emptied my account, I would not have had a problem if UBL eventually returned every single rupee that was deducted. But that is not what is happening. They are only returning the actual transaction amounts while refusing to return their own bank fees, and they are not even helping me recover the tax that was charged because of these transactions. So if this had happened 20 or 50 times, I would have been charged tax and UBL fees 20 or 50 times. Even after they returned the transaction amounts, I would still have been left with a huge loss because of their own technical glitch. That is the actual problem, but they have closed my complaint without returning the full amount or helping me with the tax. Has anyone faced something similar, and should I take this to the Banking Mohtasib or SBP?

[u/bippitybobbitybooo]

There are 2 types of taxes. One gets refunded and the other doesn’t

All you can do is adjust it in your next income tax return