Flipkart & HDFC Bank EMI Complaint: Gurpreet Singh Alleges Unresolved EMI Deduction Without Order Placement

Gurpreet Singh, Associate Consultant at Wipro, raises a serious complaint against Flipkart and HDFC Bank after EMI payments were deducted from his HDFC debit card but the order was never placed. Despite repeated follow-ups, both companies failed to resolve the issue.

LinkedIn Post URL

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Complaint Summary

Details	Information
Complainant Name	Gurpreet Singh
Email	Not disclosed
WhatsApp	Not disclosed
Complaint Type	EMI Deduction Without Order Placement
Company/Brand	Flipkart & HDFC Bank
Product/Service	Debit Card EMI Transaction
Order No / Service No	Not available
Issue Description	EMI deducted from HDFC Debit Card for Flipkart purchase but order never placed. Flipkart closed the complaint without resolution; HDFC registered case but no action taken.
Loan Numbers	0000000000129880937 – ₹13,222, 0000000000129886300 – ₹13,213, 0000000000129895319 – ₹14,177
Date of Incident	Not disclosed
Company’s Response	Flipkart: Marked case resolved without informing. HDFC: Registered complaint (Ref No: 82752611) but no resolution yet.

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Detailed Write-Up

Gurpreet Singh, an Associate Consultant at Wipro, has raised a serious complaint against Flipkart and HDFC Bank regarding an unresolved EMI payment dispute.

According to Gurpreet, he made a purchase on Flipkart using HDFC Debit Card EMI, where the payment was successfully deducted from his account. However, despite the deduction, the order was never placed.

Following the failed transaction:

• Flipkart’s response: Instead of taking ownership, Flipkart did not even register the complaint properly and closed the case without providing any resolution or prior intimation to Gurpreet.
• HDFC Bank’s response: While HDFC Bank registered the case under Reference No: 82752611, no resolution has been provided so far. Meanwhile, the bank continues to send EMI-related messages.

The issue is further complicated as Gurpreet is being charged for three separate EMI loans despite never receiving the product:

• Loan Number 0000000000129880937 – ₹13,222
• Loan Number 0000000000129886300 – ₹13,213
• Loan Number 0000000000129895319 – ₹14,177

This has caused immense financial stress and mental pressure, as the complainant is being forced to pay EMIs for a purchase that never materialized.

Gurpreet is demanding immediate intervention from both Flipkart and HDFC Bank to:

• Cancel the EMI loans,
• Refund any deducted amounts, and
• Ensure such lapses do not happen with other customers in the future.

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How Choice4Voice.com Can Help

At Choice4Voice.com, we specialize in highlighting such consumer grievances to hold companies accountable. In this case, Gurpreet Singh’s issue reflects a serious gap in coordination between Flipkart and HDFC Bank.

We can assist by:

1. Drafting and filing a consumer complaint before the appropriate consumer forum.
2. Helping escalate the case with RBI Banking Ombudsman regarding HDFC’s failure to resolve the grievance.
3. Assisting in sending a legal notice to Flipkart for closing the complaint without resolution.
4. Publishing the case widely to ensure corporate accountability.

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Applicable Legal Cases

• Consumer Protection Act, 2019 – For deficiency in service by both Flipkart and HDFC Bank.
• Banking Ombudsman Scheme (RBI) – Against HDFC Bank for unresolved debit EMI issue.
• Contract Act, 1872 – For breach of contractual obligations by Flipkart.
• IT Act, 2000 (Section 43A) – Possible claim for failure in handling online payment securely.

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Authorities Where Complaint Can Be Filed

• National Consumer Helpline (NCH) – Against Flipkart & HDFC Bank.
• District Consumer Disputes Redressal Commission – For financial compensation and refund.
• RBI Ombudsman – For banking-related grievance against HDFC Bank.
• Ministry of Electronics and IT (MeitY) – For digital payment failures.

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Step-by-Step Guide to File Complaint

1. With Flipkart:
   • Write to Flipkart customer support with transaction ID and EMI loan details.
   • Escalate to Flipkart Grievance Officer if not resolved.
2. With HDFC Bank:
   • Submit a written complaint to HDFC Bank branch and retain acknowledgment.
   • Escalate to HDFC Nodal Officer if no resolution.
3. With RBI Ombudsman:
   • File a complaint at https://cms.rbi.org.in using case reference details.
4. Consumer Forum:
   • File a case under Consumer Protection Act for deficiency in service and claim compensation.

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Pre-Drafted Templates

• Consumer Complaint Template (Flipkart & HDFC Bank)
• RBI Ombudsman Complaint Template
• Legal Notice Draft for Consumer Forum

(Choice4Voice.com provides these templates to help complainants proceed efficiently.)

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Company Background

• Flipkart: India’s leading e-commerce platform, founded in 2007, acquired by Walmart in 2018. Known for large-scale retail operations but often criticized for customer service delays.
• HDFC Bank: One of India’s largest private banks, offering EMI and credit products. However, customer complaints regarding digital transaction disputes have been rising.

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Q&A Section

1. What should I do if Flipkart deducted money but the order was not placed?
   • Immediately raise a ticket with Flipkart support, keep screenshots, and escalate to the Grievance Officer if unresolved.
2. Can HDFC Bank charge EMI without product delivery?
   • No. EMI deduction without successful product delivery is a clear case of service deficiency.
3. How can I file a complaint against Flipkart for failed transactions?
   • You can file through Flipkart’s Grievance Redressal System, National Consumer Helpline, or Consumer Forum.
4. What is RBI Ombudsman’s role in such cases?
   • RBI Ombudsman handles unresolved banking complaints, including debit card EMI disputes.
5. What documents are needed to file a consumer complaint?
   • Payment proof, EMI messages, loan numbers, complaint reference numbers, and communication records.
6. Can I claim compensation for mental harassment?
   • Yes. Under the Consumer Protection Act, you can claim compensation for mental agony and financial stress.
7. Why does Flipkart close complaints without resolution?
   • Many customers face this issue. Companies sometimes auto-close tickets, which can be challenged legally.
8. Can EMI loans be cancelled if no product was delivered?
   • Yes. With valid proof, banks are bound to cancel the EMI loans.
9. Where can I escalate unresolved Flipkart issues?
   • Flipkart Grievance Officer, Consumer Forum, or Ministry of Consumer Affairs.
10. What is HDFC Bank’s Nodal Officer escalation process?

• File an escalation email with case reference, and if unresolved, approach RBI Ombudsman.

11. How long does RBI Ombudsman take to resolve complaints?

• Typically 30–45 days, depending on case complexity.

12. Can I approach the Consumer Court directly?

• Yes, especially when both Flipkart and HDFC Bank fail to resolve the issue.

13. Is there a time limit to file a complaint?

• Ideally, within 2 years from the date of cause of action.

14. Can Flipkart and HDFC be held jointly responsible?

• Yes. Both can be made parties to a consumer complaint.

15. What compensation can I expect?

• Refund of EMI, cancellation of loans, legal expenses, and additional compensation for harassment.

16. Can such complaints affect my credit score?

• Yes. If EMI defaults occur, it may impact CIBIL. Immediate resolution is crucial.

17. How to avoid such EMI-related fraud in future?

• Always verify order confirmation before EMI approval.

18. Can I file FIR against Flipkart or HDFC?

• Yes, under cheating provisions if deliberate fraud is proven.

19. Is online complaint submission effective?

• Yes, most forums accept digital complaints with scanned proofs.

20. How does Choice4Voice.com support such victims?

• By publishing cases, providing templates, guiding through legal process, and creating public pressure on companies.

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📌 Author: Gurpreet Singh
📌 Platform: Complaint submitted via LinkedIn (Verified)

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