Please Refund My Money Immediately

I am holding an account with Bank of Baroda and using PhonePe for UPI payments. On 16 October 2026, an amount of ₹599 was debited from my account through PhonePe to a merchant named “Masteredu AI.” I have never taken any subscription or service from this merchant and I do not understand why this amount was taken from my account. This transaction is not authorized by me. I did not subscribe, I did not request any service, and there is no valid reason for this debit. Therefore, I request that this ₹599 transaction be treated as unauthorised. I strongly and clearly request that my ₹599 be refunded to my Bank of Baroda account immediately and in full, without any further delay, and that you ensure no such amount is ever debited from my account again without my clear permission. I am ready to share the PhonePe transaction screenshot and any other information you may require during your investigation.