Full Stack Developer Himanshi Gupta accuses Paytm and HDFC Bank of negligence over a ₹2,500 failed transaction. Read her full story, legal action plans, and what to do if your digital payment fails.
Checkout : LinkedIn Post URL
Complaint Overview
| Complainant Name | Himanshi Gupta |
|---|---|
| Profession | Technical Team Lead, Full Stack Developer |
| Platform of Complaint | |
| Date of Complaint | August 2025 |
| Companies Involved | Paytm & HDFC Bank |
| Amount Involved | ₹2,500 |
| Issue Duration | 5 Months |
| Key Concerns | Transaction failed, amount debited, no refund, no accountability |
| Legal Action | Consumer Court case filed |
| Support Response | Blame game between Paytm and HDFC Bank, no resolution |
| Mental Impact | Frustration, stress, harassment |
What Happened?
Himanshi Gupta, a highly experienced full stack developer, recently took to LinkedIn to share her ongoing battle with Paytm and HDFC Bank over a ₹2,500 transaction failure that has gone unresolved for over five months.
She initiated a digital payment using her Paytm wallet linked to her HDFC Bank account. The amount was debited from her account but never reached the intended recipient. Since then, she has tried every possible route to resolve the issue:
- Raised complaints with both Paytm and HDFC Bank
- Submitted complete documentation (transaction ID, bank statement, screenshots)
- Followed up consistently via email, chat, and phone calls
Despite all this, no resolution has been provided.
Statements from Support Teams
- Paytm says: “This is not our issue, please check with HDFC.”
- HDFC says: “This is not our issue, please check with Paytm.”
This endless blame game left Himanshi frustrated and unheard. To make matters worse, an HDFC support executive allegedly told her:
“It’s been a long time, let it be now — it’s just ₹2,500 only.”
Such a dismissive response led Himanshi to take legal action.
Legal Action Initiated
After 5 months of follow-up, Himanshi has now decided to file a Consumer Court case against both Paytm and HDFC Bank under:
- Deficiency in Service
- Negligence by Financial Institutions
- Mental Harassment
- Violation of Consumer Rights
She rightly pointed out that “₹2,500 might be a small amount for them, but it’s my money” — and that every rupee matters, especially when customer trust is at stake.
Real Screenshot Shared
Himanshi also shared email evidence of her communication with both companies, further confirming her repeated attempts to seek help ignored every time.
What This Reveals About Digital Banking in India
This case highlights:
- Broken dispute resolution systems in digital payments
- Lack of accountability by major financial players
- Customer service failing to escalate genuine cases
- How common people are forced to approach legal routes
10 Most Searched Questions About Failed Digital Transactions in India
1. What should I do if Paytm debited my money but the transaction failed?
First, raise a dispute in the Paytm app. If unresolved, contact your bank with the transaction ID.
2. How long does Paytm take to refund a failed transaction?
Generally, refunds are processed within 7 working days. If delayed beyond that, escalate the issue via email and social media.
3. Can HDFC Bank help in resolving Paytm transaction issues?
Yes, if the debit occurred from your HDFC account, the bank should assist in initiating a chargeback request.
4. Is ₹2,500 a small amount to ignore in a failed transaction?
Absolutely not. No amount is “too small” to recover. Banks and wallet providers are bound by law to ensure transaction transparency.
5. Can I take Paytm or HDFC Bank to consumer court?
Yes, under the Consumer Protection Act, you can file a complaint if you’ve been denied a refund or experienced harassment.
6. Where to file a complaint for failed UPI or digital transactions in India?
You can file complaints via:
- National Consumer Helpline (https://consumerhelpline.gov.in)
- RBI CMS Portal (https://cms.rbi.org.in)
7. What if both Paytm and HDFC keep blaming each other?
This is known as service deficiency. If both parties fail to take responsibility, legal action becomes valid.
8. Is it safe to link a bank account with Paytm or other wallets?
Yes, but always monitor your transactions closely. If any issue occurs, document everything and escalate quickly.
9. Can I share my complaint publicly on LinkedIn?
Yes. Platforms like LinkedIn or Choice4Voice.com allow you to share your experience and gather public support.
10. What should I include when filing a consumer complaint?
- Screenshots
- Transaction ID
- Bank statement
- Email/chat records
- Proof of follow-ups
This strengthens your case legally.
Original Complaint Source
LinkedIn Post by Himanshi Gupta
👉 (Original LinkedIn URL)
Choice4Voice.com Stands with Consumers
At Choice4Voice.com, we stand by consumers who are mistreated, unheard, or ignored by companies. Himanshi’s case shows how even educated professionals are forced to fight for what’s rightfully theirs.
Facing a similar issue?
✅ Submit your complaint on Choice4Voice.com
✅ Or tag us in your LinkedIn post so we can amplify your voice
Let’s make companies accountable together.
Disclaimer
This article is based on a public complaint shared by Himanshi Gupta on her verified LinkedIn profile, which can be verified via the link provided above. Choice4Voice.com is a platform that supports real people raising their voices against poor services and unresolved complaints.
