Yash Rohilla reports ₹900 deduction for failed Jio recharge via Paytm and HDFC Bank. No refund issued despite multiple complaints. Read full case details on Choice4Voice.com
Note: If this issue is resolved, the concerned brand or the complainant may contact us at support@choice4voice.com. After proper verification, we will either update this article as “Resolved” or delete it, ensuring fairness to both parties.
Complaint Summary : Yash Rohilla Complaint Against Paytm, HDFC Bank & Jio – Recharge Failed, Money Deducted
| Field | Details |
|---|---|
| Complainant Name | Yash Rohilla |
| Email ID | Not Provided |
| Phone Number | 8860336832 |
| Complaint Type | Failed Recharge / Refund Not Processed |
| Company/Brand | Paytm, HDFC Bank, Jio |
| Transaction Amount | ₹900 (₹300 × 3) |
| Mode of Payment | 2 Transactions via HDFC Bank, 1 via Jio Bank (through Paytm) |
| Issue Description | Recharge not successful, but money deducted. No refund or resolution despite multiple follow-ups. |
| Date of Issue | September 2025 |
| Action Requested | Immediate refund of ₹900 & explanation of failed recharge handling. |
Case Background
Yash Rohilla attempted to recharge his Jio SIM through Paytm, using HDFC Bank and Jio Bank for payments.
- Three transactions of ₹300 each (₹900 total) were deducted.
- Recharge status: Not successful.
- Company responses so far:
- Paytm & HDFC: Claim recharge was successful.
- Jio: States recharge failed.
This contradiction between service providers has left the consumer stuck without a refund and without the recharge.
Core Issues Raised
- Payment Deducted, Service Not Delivered
- Recharge not reflecting despite money being deducted.
- Contradictory Responses
- Paytm & HDFC claim recharge successful.
- Jio confirms recharge failed.
- Lack of Accountability
- None of the three companies are taking ownership of resolving the issue.
- Financial Loss to Consumer
- ₹900 is a significant amount, especially when left unresolved.
Legal & Regulatory Context
Under the Consumer Protection Act, 2019:
- Deficiency in Service (Section 2(11)) – Failure to provide promised service after receiving payment qualifies as a service deficiency.
- Unfair Trade Practice (Section 2(47)) – Giving misleading information (e.g., saying recharge is successful when it is not) can be considered unfair trade practice.
- Reserve Bank of India (RBI) Guidelines – Any failed online transaction must be automatically reversed within 5 working days.
Thus, Paytm, HDFC Bank, and Jio are liable to refund ₹900 to Yash Rohilla without delay.
Choice4Voice.com Analysis
- Payment Gateway Loophole – When transactions involve multiple parties (bank, wallet, telecom), accountability often gets blurred.
- Consumer Stuck Between Companies – Each company blames the other, leaving the customer helpless.
- Regulatory Failure – Automatic refund timelines set by RBI are not being followed.
Steps Yash Rohilla Can Take
- Escalate to Paytm & HDFC Bank’s Nodal Officers
- Every bank and wallet has a designated Nodal Officer for unresolved complaints.
- File Complaint with RBI Ombudsman
- For non-refund of failed transactions.
- Report to TRAI & Department of Telecom
- Since recharge involves telecom service.
- File Case in Consumer Forum
- For refund, interest, and compensation for harassment.
Alternative Platforms for Recharge
To avoid such issues in the future, consumers may consider:
- Amazon Pay
- PhonePe
- Google Pay (UPI Recharge)
- Official Jio App/Web Portal
These platforms often provide better dispute redressal.
Frequently Asked Questions (FAQs)
Q1: How long should it take to get a refund for a failed recharge?
As per RBI guidelines, failed UPI/card/net-banking transactions must be refunded within 5 working days.
Q2: What if the recharge amount is deducted but not credited?
Raise a complaint with the recharge provider (Paytm), bank (HDFC), and telecom (Jio). Keep transaction IDs and screenshots.
Q3: Can Jio legally deny the recharge when Paytm shows it successful?
Yes, because only Jio activates recharges. If Jio says it failed, the transaction must be reversed.
Q4: Who is responsible for the refund in such cases?
The payment intermediary (Paytm) is primarily responsible to ensure refund, as per RBI’s circulars.
Q5: Can I take legal action if my refund is delayed?
Yes. You can approach the Consumer Disputes Redressal Commission (Consumer Forum) for refund + compensation.
Q6: What documents are required for filing a complaint?
Transaction ID, bank statement, recharge attempt screenshot, communication records with customer care.
Q7: Can RBI intervene in such cases?
Yes. If a bank or wallet delays refund beyond RBI timelines, RBI Ombudsman can penalize them.
Q8: Does this impact my CIBIL score?
No. Failed recharge and refund delays do not affect your credit score.
Q9: How can I prevent such issues in future?
Use direct recharge from telecom operators’ websites or UPI apps with strong refund policies.
Q10: How can Choice4Voice.com help?
We give public visibility to such cases, pressuring companies to act quickly and ensuring consumer rights are upheld.
✅ If you have faced a similar issue of money deducted but recharge not done, you can submit your complaint at Choice4Voice.com. We ensure your case gets maximum visibility and pressure on companies for resolution.
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Simply write a LinkedIn post and tag our official page Choice4Voice.com
Submit your complaint directly : https://choice4voice.com/submit-your-complaint/
