Dear nnacharya,
Please mention the whole story properly.
You purchased the item and then said that you dont want it and wished to get a refund.
I said that the refund will be initiated in the same mode of payment which was city bank cradit card.
Then you started saying that oh citi bank people are crooks and i have stopped banking with them. You wanted a direct refund and it was clearly explained to you that a direct refund cannot be given as we can give you a refund with the same mode of payment and that was paisapay.
Your refund was done at the same time.
If you have any problem with citi bank, then you can solve it with them. It is useless giving me calls and explaining that citi bank is a fruad.
I have done as per eBay policy and have given a refund by paisapay.