A customer complaint against HDFC Bank where ₹64,500 deposited via ATM was not credited. Read the full case, rights under RBI guidelines, and how Choice4Voice.com helps customers raise their voice for faster resolutions.
Note: If this issue is resolved, the complainant or HDFC Bank can contact us at Support@Choice4Voice.com. We will update this article and mark the case as Resolved or remove it accordingly.
Complaint Summary : HDFC Bank Complaint ₹64,500 ATM Deposit Not Credited | Sohail Khan Case
| Field | Details |
|---|---|
| Complainant Name | Sohail Khan |
| Company Involved | HDFC Bank |
| Issue Reported | ₹64,500 deposited via ATM not credited |
| Complaint Date | August 2025 |
| Service Request No. | 79700512 |
| Resolution Timeline Given by Bank | 27th August 2025 |
| Customer Demand | Immediate credit of funds + compensation as per RBI guidelines |
| LinkedIn Source | Original Post by Sohail Khan |
Full Complaint Details
A customer, Sohail Khan, has reported a shocking incident with HDFC Bank regarding his ATM deposit. On depositing ₹64,500 through an HDFC Bank ATM, the amount was not credited to his account.
When he raised the issue, the bank provided him with a Service Request Number: 79700512. However, the bank mentioned that the resolution timeline for this case is 27th August 2025 – almost a week later.
This long delay has raised serious concerns, as the customer has urgent financial commitments and bill payments. More importantly, such a delay appears to be a direct violation of RBI guidelines, which mandate that:
- ATM-related disputes must be resolved within 5 working days.
- In case of delays, banks are required to pay ₹100 per day as compensation to the affected customer.
- Customers also have the right to escalate their complaint to the Banking Ombudsman if the issue remains unresolved.
The complainant has called this an example of poor customer service and disregard for consumer rights, urging HDFC Bank to act promptly.
Role of Choice4Voice.com
At Choice4Voice.com, we stand as a consumer advocacy platform that highlights genuine complaints ignored by large corporations.
Here’s how we work:
- Complaint Submission: Customers can directly submit their complaints through our Submit Your Complaint page.
- LinkedIn Tagging: Users can also tag our official page on LinkedIn. Once tagged, we analyze the case and publish it as a professional article to increase visibility and public pressure.
- Public Accountability: By making complaints visible online, we ensure companies feel the urgency to respond quickly.
- Consumer Rights Awareness: Along with complaints, we educate customers on their legal rights, RBI guidelines, and escalation methods.
Our mission is simple: to be the voice of consumers who are ignored by companies.
If you are facing a similar issue, don’t stay silent submit your complaint today and let us amplify your voice.
Consumer Rights Under RBI Guidelines
- ATM transaction disputes must be resolved within 5 working days.
- Delay beyond this period attracts ₹100 per day compensation to the customer.
- Customers can escalate unresolved issues to the Banking Ombudsman.
- Banks must ensure proper communication and transparency while handling disputes.
Q&A Section – Most Searched Questions on HDFC Bank Complaints
Q1. What should I do if money is deducted from my HDFC Bank account but not credited?
You should immediately raise a complaint with HDFC Bank and request a Service Request Number for tracking.
Q2. How long does HDFC Bank take to resolve failed ATM transaction complaints?
As per RBI rules, HDFC Bank must resolve it within 5 working days.
Q3. What compensation am I eligible for if HDFC Bank delays my complaint?
You are entitled to ₹100 per day of delay, payable directly by the bank.
Q4. Can I escalate my complaint if HDFC Bank doesn’t resolve it?
Yes, you can escalate to the RBI Banking Ombudsman through the Integrated Ombudsman Scheme.
Q5. Where can I submit a complaint against HDFC Bank online?
You can file it on the official HDFC Bank grievance portal or through Choice4Voice.com
Q6. What is the RBI’s guideline for failed ATM deposits?
The dispute must be settled within 5 working days, failing which the bank is liable to pay compensation.
Q7. What is a Service Request Number in HDFC Bank complaints?
It’s a unique ID given to you after lodging a complaint, which helps track the resolution progress.
Q8. Can I get my money back if the ATM did not credit my deposit?
Yes, once verified, the bank must credit the money back into your account.
Q9. Does HDFC Bank have a grievance redressal officer?
Yes, every branch has a grievance redressal officer who can escalate your case internally.
Q10. How can I contact HDFC Bank for unresolved complaints?
You can write to grievance.redressal@hdfcbank.com or approach the Banking Ombudsman.
Q11. What documents do I need for escalating my complaint?
Keep your ATM slip, transaction ID, Service Request Number, and bank statements.
Q12. Can I directly approach RBI if HDFC Bank delays my issue?
Yes, under the RBI Integrated Ombudsman Scheme, customers can approach RBI after 30 days of unresolved complaints.
Q13. How do I check the status of my HDFC Bank complaint?
Log in to HDFC Bank’s official website and use your Service Request Number to track progress.
Q14. How common are ATM deposit failures in India?
Such issues are rare but not unheard of. When they occur, RBI ensures consumer protection.
Q15. Can Choice4Voice.com help in such cases?
Yes, Choice4Voice.com highlights such cases publicly, increasing pressure on the bank for quicker resolution.
Q16. What is the timeline for receiving compensation from HDFC Bank?
If delays occur, compensation of ₹100 per day should be credited automatically once resolved.
Q17. What happens if HDFC Bank refuses to pay compensation?
You can escalate to the Banking Ombudsman, who has the authority to penalize banks.
Q18. How can I avoid ATM-related disputes?
Always keep your ATM slips, check account balance immediately, and lodge complaints quickly if issues arise.
Q19. Can HDFC Bank delay complaint resolution beyond 5 days?
No, unless there are exceptional circumstances. Any delay beyond 5 days must include compensation.
Q20. Why is Choice4Voice.com important for consumers?
Because most companies ignore individual complaints. Choice4Voice.com ensures visibility, accountability, and faster responses by making cases public.
✅ If you are facing a similar issue, don’t stay silent. Submit your complaint here or tag our official page on LinkedIn, and we will publish your case to amplify your voice.
