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Submit your complaint →Abinash M, a Full Stack Developer, reports an unresolved UPI transaction complaint with HDFC Bank, raising questions about the bank’s compliance and customer service efficiency.
Complaint Summary : Unresolved UPI Transaction Complaint Against HDFC Bank – Customer Raises Compliance Concern
| Complainant Name | Abinash M |
|---|---|
| Profession | Full Stack Developer |
| Company Complained Against | HDFC Bank |
| Issue Type | Unresolved UPI Transaction |
| Transaction Reference No. | 84253318 |
| Date of Complaint | October 17, 2025 |
| Expected Resolution Date (as promised by Bank) | December 4, 2025 |
| Current Status | No Response / No Follow-up |
| Complaint Source | |
| Location | India |
| Severity Level | Moderate – Financial & Service Delay |
Full Complaint Details
Abinash M, a Full Stack Developer, Event Manager, and Cricketer, raised a serious concern on LinkedIn regarding HDFC Bank’s failure to resolve a UPI transaction issue.
On October 17, 2025, he reported a wrong UPI transaction (Reference No. 84253318) to the bank. HDFC Bank acknowledged the issue and committed to resolving it by December 4, 2025. However, as of mid-October, there has been no follow-up, communication, or resolution from the bank’s end.
Expressing his disappointment, Abinash emphasized that while mistakes can happen, delayed resolutions and lack of transparency severely damage customer trust. For a financial institution that claims leadership in digital banking and compliance, such negligence raises questions about accountability and internal efficiency.
Abinash’s post serves as a reminder that timely resolution and transparency are fundamental to maintaining customer faith in digital financial systems. He hopes the matter receives prompt attention, not just for his case, but to improve customer service for all HDFC Bank users.
Key Issues Highlighted
- Wrong UPI transaction reported but still unresolved.
- HDFC Bank’s failure to follow up or communicate status updates.
- Delay beyond promised resolution deadline.
- Lack of accountability in digital transaction support.
- Possible compliance violation due to inaction on customer grievance.
Possible Legal and Regulatory Violations
| Concern Type | Applicable Law / Guideline |
|---|---|
| Deficiency in Banking Service | Section 2(11), Consumer Protection Act, 2019 |
| Delay in UPI Dispute Resolution | NPCI UPI Procedural Guidelines |
| Violation of RBI Ombudsman Scheme | RBI – Integrated Ombudsman Scheme, 2021 |
| Negligence in Handling Customer Complaints | RBI Circular on Customer Grievance Redressal Mechanism |
| Failure in Digital Transaction Compliance | RBI’s Digital Payment Security Controls Framework |
Authorities Where the Complaint Can Be Filed
- HDFC Bank Grievance Redressal – https://www.hdfcbank.com/personal/need-help/customer-care
- RBI Banking Ombudsman – https://cms.rbi.org.in/
- National Consumer Helpline (NCH) – https://consumerhelpline.gov.in/
- NPCI (Unified Payments Interface) – https://www.npci.org.in/
- Consumer Forum (District Level) – For monetary claims and delay compensation.
Step-by-Step Guide to File a UPI Complaint
Step 1: Contact HDFC Bank Customer Support
- Visit the official HDFC complaint page.
- Choose “UPI Transaction Issue” as the complaint category.
- Mention the transaction reference number (84253318).
- Request written acknowledgment of your complaint.
Step 2: Escalate to HDFC Nodal Officer
If the issue remains unresolved within 30 days, escalate to the Nodal Officer with complete details.
Email: grievance.redressal@hdfcbank.com
Subject: Unresolved UPI Transaction – Reference No. 84253318
Step 3: File Complaint with RBI Ombudsman
If there is no response from HDFC Bank within 30 days, register your case under the RBI Integrated Ombudsman Scheme:
🔗 https://cms.rbi.org.in/
Include all supporting evidence such as emails, acknowledgment numbers, and screenshots.
Step 4: Approach Consumer Forum
If financial loss or emotional distress is caused, file a case under Consumer Protection Act, 2019 citing “deficiency in service”.
Attach transaction details and communication logs.
Pre-Drafted Complaint Templates
📩 Email Template to HDFC Bank
To: support@hdfcbank.com
Subject: Urgent – Unresolved UPI Transaction (Reference No. 84253318)
Dear HDFC Bank Team,
I had reported a wrong UPI transaction on October 17, 2025, with reference number 84253318. I was assured that the issue would be resolved by December 4, 2025. However, there has been no update or closure since then.
Please investigate the delay and confirm the current status of my case. Kindly ensure the refund or resolution at the earliest.
Sincerely,
[Your Name]
[Registered Mobile / Email]
[Account Number – Last 4 Digits]
Complaint to RBI Ombudsman
To: The Banking Ombudsman
Subject: Complaint Against HDFC Bank for Non-Resolution of UPI Transaction
Dear Sir/Madam,
I am writing to lodge a complaint against HDFC Bank for not resolving a wrong UPI transaction reported under reference number 84253318. Despite repeated follow-ups, there has been no response or action from the bank.
Please direct the bank to process the refund and provide compensation for the delay under the RBI Ombudsman guidelines.
Sincerely,
[Complainant Name]
[Email ID / Contact]
[Transaction Date & Reference Number]
How Choice4Voice.com Can Help
At Choice4Voice.com, we ensure that unresolved banking issues like Abinash M’s case against HDFC Bank are brought to public attention and escalated to regulatory authorities.
We collaborate with consumers to document their complaints, prepare legal templates, and push for brand accountability through public awareness. If your bank complaint or UPI issue has been ignored, you can submit it via our Google Form to have it featured on Choice4Voice.com.
About HDFC Bank
HDFC Bank Limited is one of India’s leading private sector banks known for digital banking, UPI transactions, and online payments. Despite this reputation, multiple consumers have reported delays in grievance resolution, especially related to UPI reversals and transaction disputes.
Official Contact Details
- Website: www.hdfcbank.com
- Customer Care Email: support@hdfcbank.com
- Grievance Escalation: grievance.redressal@hdfcbank.com
Questions on HDFC Bank UPI & Complaint Resolution
Q1. How long does HDFC Bank take to resolve UPI complaints?
Typically 30 working days, but delays are common if not escalated.
Q2. What to do if a UPI transaction is stuck?
Raise a complaint via HDFC app or website, then escalate to RBI Ombudsman if unresolved.
Q3. Can I get a refund for a wrong UPI transfer?
Yes, if reported within the specified timeframe with proof.
Q4. How do I check my UPI dispute status?
Log in to your HDFC Bank account and track complaint reference number.
Q5. Who regulates UPI payments in India?
The National Payments Corporation of India (NPCI) under RBI supervision.
Q6. What happens if HDFC ignores a UPI dispute?
You can escalate it to the RBI Ombudsman for immediate intervention.
Q7. How can I contact HDFC’s grievance officer?
Email grievance.redressal@hdfcbank.com with your case details.
Q8. What documents are required for UPI complaints?
Transaction reference number, screenshots, and registered contact details.
Q9. Can I file a UPI complaint through the HDFC app?
Yes, via the “Help & Support” → “UPI Transaction Issue” option.
Q10. Does RBI provide compensation for delay in refunds?
Yes, under certain cases of proven negligence.
Q11. What is the NPCI’s UPI complaint timeline?
Most UPI issues should be resolved within 5–7 working days.
Q12. Is it safe to share UPI reference number publicly?
Yes, but avoid sharing full account or UPI ID details.
Q13. Can I file multiple UPI complaints at once?
Yes, but ensure each transaction has its unique reference ID.
Q14. Can wrong UPI payments be reversed automatically?
Not always reversal depends on the recipient bank’s response.
Q15. What is the RBI Integrated Ombudsman Scheme?
A unified platform to handle all types of banking complaints, including UPI.
Q16. How can I prove bank negligence?
Keep acknowledgment receipts and communication records as evidence.
Q17. What compensation can I claim for delay?
You can seek refund, compensation for mental harassment, and litigation costs.
Q18. What’s the consumer forum process for banking issues?
File online via https://edaakhil.nic.in/.
Q19. Can Choice4Voice.com publish my banking complaint?
Yes, if verified, it can be featured to increase awareness and brand accountability.
Q20. How do I prevent UPI fraud in future?
Verify recipient UPI ID before payment and never share OTPs or PINs.
