Subhash Kumar reports HDFC Bank deducted ₹10,000 despite returning his POS machine 2 years ago. Full complaint, banking accountability, alternatives to HDFC POS, and customer rights explained by Choice4Voice.com
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Complaint Summary : HDFC Bank Wrongly Deducts ₹10,000 for POS Machine (Subhash Kumar Complaint) | Choice4Voice.com
| Field | Details |
|---|---|
| Complainant Name | Subhash Kumar |
| Email ID | Not Provided |
| Complaint Type | Unauthorized Debit / Service Mismanagement |
| Company/Brand | HDFC Bank |
| Product/Service | POS Machine Services |
| Amount Involved | ₹10,000 (unauthorized debit) |
| Date of Incident | 2nd September 2025 |
| Original Transaction | POS Machine closed 2 years ago; device collected with receipt |
| Complaint Source | LinkedIn post by Subhash Kumar |
| Action Requested | Immediate reversal of ₹10,000 debit and proper accountability |
Case Background
Subhash Kumar, an MBA Finance professional and small business owner, had opted for HDFC Bank’s POS machine services.
- Two years ago, he decided to close the service due to high MDR charges.
- HDFC Bank’s representative collected the POS device and issued a collection receipt as proof.
- Subhash considered the service officially closed.
However, in August 2025, he began receiving repeated calls and emails from HDFC Bank alleging that the device was “not returned.” Despite his clarifications, the bank issued threats of a ₹10,000 debit unless he provided the old receipt.
Finally, on 2nd September 2025, HDFC unauthorizedly deducted ₹10,000 from his account.
Key Issues Raised
- Unfair Debit – Customer charged ₹10,000 despite returning the POS machine long ago.
- Database Mismanagement – HDFC Bank failed to maintain accurate records of POS device returns.
- Unrealistic Documentation Demands – Expecting customers to preserve collection receipts for 2 years.
- Breach of Trust – Unauthorized debit without customer consent.
- Threatening Communication – Calls and emails pressuring the customer to provide proof for bank’s error.
Legal & Regulatory Concerns
- RBI Guidelines on Unauthorized Debits – Banks cannot debit customer accounts without proper authorization or proof of liability.
- Consumer Protection Act, 2019 – Wrongful deductions and harassment qualify as deficiency in service and unfair trade practices.
- Banking Ombudsman Scheme – Customers can escalate such cases to the RBI Ombudsman for speedy resolution.
Subhash Kumar’s View
According to Subhash:
- The POS machine was properly returned.
- The receipt was issued but is naturally unavailable after 2 years.
- The burden of record-keeping lies with the bank, not the customer.
- The ₹10,000 debit is unjustified and should be reversed immediately.
Choice4Voice.com View
This case highlights serious gaps in accountability at HDFC Bank.
- Customers should not be penalized for a bank’s internal mismanagement.
- Forcing clients to pay for errors destroys trust in the banking system.
- With so many POS alternatives available today, such practices only push customers away.
Choice4Voice.com strongly urges HDFC Bank to:
- Reverse the ₹10,000 deduction immediately.
- Improve internal POS device tracking systems.
- Avoid harassing customers with threat calls and emails.
Safer Alternatives to HDFC POS
Many small businesses are now moving to new-age POS providers due to better transparency:
- ICICI Merchant Services
- Axis Bank POS
- SBI POS
- Paytm POS
- Pine Labs
- Razorpay POS
- BharatPe Swipe
These providers often offer:
- Clear MDR charges
- Better return/closure policies
- No hidden deductions
Preventive Advice for Merchants
- Always keep a scanned copy of collection receipts, even after device return.
- Ensure written closure confirmation is received via email/SMS.
- Monitor your account for sudden debits and raise disputes immediately.
- If unresolved, escalate to RBI Ombudsman without delay.
Frequently Asked Questions (FAQs)
Q1: Can a bank debit my account without my consent?
No. As per RBI rules, banks cannot make unilateral debits without customer authorization or valid proof.
Q2: What should I do if my POS machine is already returned but the bank denies it?
You should escalate with written communication and approach the Banking Ombudsman if unresolved.
Q3: What if I don’t have the receipt after 2 years?
The responsibility lies with the bank to maintain internal device collection records. Customers cannot be forced to provide 2-year-old receipts.
Q4: Can I claim a refund for the ₹10,000 unauthorized debit?
Yes. You can demand a refund through the bank’s grievance mechanism, RBI Ombudsman, or Consumer Court.
Q5: What laws protect me in such cases?
- Consumer Protection Act, 2019
- RBI Ombudsman Scheme
- Banking codes under Indian Contract Act
Q6: What is MDR in POS machines?
MDR (Merchant Discount Rate) is the fee charged by banks/payment providers for card transactions.
Q7: Why are businesses moving away from traditional bank POS machines?
Because of high MDR charges, hidden fees, and poor accountability compared to fintech solutions.
Q8: Can such issues impact my credit score?
No. Wrongful POS disputes do not impact CIBIL or credit scores.
Q9: How can I escalate a POS-related complaint?
- Step 1: File a written complaint with the bank.
- Step 2: If unresolved in 30 days, escalate to the Banking Ombudsman.
- Step 3: Approach Consumer Forum for compensation.
Q10: How can Choice4Voice.com help?
We publish genuine grievances, increasing public accountability and pressuring companies to resolve disputes.
✅ If you have faced a similar case of unauthorized debit or mismanagement by banks, you can share your complaint on Choice4Voice.com. Your case will be published within 24 hours to create awareness and pressure for resolution.
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