SBI Debit Card Chargeback Request for mSpy Subscription Refund

I am writing to raise a dispute regarding a transaction made using my SBI Debit Card for an online subscription purchased from “mSpy”. On 11/09/2026, an amount of ₹6,921.00 was debited from my account for this subscription. The software did not function as advertised from the moment of purchase, and the services were effectively not provided. On the same day, 11/09/2026, I submitted a refund request to mSpy in line with their own 14‑day cancellation and refund policy. I contacted them again on 12/09/2026 and also sent an email on 12/09/2026. The merchant acknowledged my request and created a support ticket with the unique ticket ID 10561658, confirming that my refund request was received within the valid time window. Despite this, more than 30 days have passed since my initial refund request, and the merchant has neither processed the refund nor provided the promised service. I have followed up multiple times, but they have stalled the process and failed to return the funds, which is a clear violation of their stated refund policy. Since the services were never rendered and the merchant is not honouring their own refund terms, I kindly request SBI to initiate a chargeback and open a transaction dispute for this payment of ₹6,921.00 dated 11/09/2026, and to reverse this charge and credit the disputed amount back to my bank account.