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Submit your complaint →Nikhil Singh, a Fullstack AI Engineer, has raised a complaint via Choice4Voice.com against HDFC Bank for not refunding ₹200 after a failed UPI cash withdrawal at an ICICI Bank ATM in Gurugram. Despite repeated follow-ups and an official complaint, HDFC Bank has not credited the amount. Read the full case, legal options available, and how Choice4Voice.com helps victims of banking delays.
Complaint Summary
| Complainant Name | Nikhil Singh |
|---|---|
| Company/Brand | HDFC Bank |
| Product/Service | UPI Cash Withdrawal (ATM) |
| Transaction Amount | ₹200 |
| Transaction ID | 528787695039 |
| Case Number | 01225288000584 |
| Date of Transaction | 14 October 2025 |
| ATM Location | Sir Chotu Ram Bhavan, 26/4, Shaheed Major Vikas Yadav Marg, Sector 39, Gurugram, Haryana 122003 |
| Complaint Type | Failed UPI ATM Transaction (Refund Not Received) |
| Company’s Response | No refund or satisfactory update provided |
| Complaint Source | Public complaint shared via LinkedIn and Choice4Voice.com |
Full Complaint Details
Nikhil Singh, a Fullstack AI Engineer, has accused HDFC Bank of negligence in resolving a failed UPI cash withdrawal refund.
On 14 October 2025, Nikhil attempted to withdraw ₹200 from an ICICI Bank ATM located at Sir Chotu Ram Bhavan, Sector 39, Gurugram. The transaction was debited from his HDFC Bank account, but no cash was dispensed.
Despite immediately raising a complaint and providing all transaction details (Transaction ID: 528787695039, Case No: 01225288000584), the bank has failed to credit the refund even after multiple follow-ups.
Nikhil stated that he has contacted HDFC Bank’s official support channel (support@hdfcbank.com) and used all available escalation routes, but no meaningful progress has been made.
“It’s been quite some time since I raised the issue, but the case remains unresolved. Despite several follow-ups, HDFC Bank has not refunded my money,” Nikhil wrote on LinkedIn.
This delay highlights a growing concern about the efficiency of UPI cash withdrawal refunds in India, especially when consumers are forced to wait weeks for small refunds due to technical failures.
Legal Case Can Be Filed
In cases where banks fail to process refunds for failed ATM or UPI transactions within RBI’s stipulated time, several legal and regulatory actions are possible.
1. RBI Ombudsman Complaint (Under Integrated Ombudsman Scheme, 2021)
If the refund is not received within 5 working days of the failed transaction, the customer can escalate the matter to the RBI Ombudsman.
👉 How Choice4Voice.com can help:
We assist in drafting RBI Ombudsman complaints, ensuring all necessary transaction details, timelines, and communications are included for faster redressal.
2. Complaint to Banking Ombudsman via CMS Portal
Customers can file complaints directly through https://cms.rbi.org.in/ if the bank does not resolve the issue within 30 days.
👉 How Choice4Voice.com can help:
We provide a step-by-step filing guide and sample complaint templates for the RBI CMS portal.
3. Legal Case Under Consumer Protection Act, 2019
Non-refund of debited funds and lack of response from the bank qualify as deficiency in service under the Consumer Protection Act.
👉 How Choice4Voice.com can help:
We help prepare Consumer Forum complaint drafts and advise on documentation required to file in your jurisdiction.
4. FIR or Cybercrime Complaint (In Case of Technical Fraud)
If there’s suspicion of unauthorized access or transaction manipulation, an FIR can be filed with the Cybercrime Cell or through cybercrime.gov.in.
👉 How Choice4Voice.com can help:
We provide pre-drafted FIR templates and explain how to attach bank proof and transaction screenshots for police filing.
5. Complaint to the Banking Grievance Redressal Cell
Customers can email grievance.redressal@hdfcbank.com with full transaction details and demand refund under RBI Circular DPSS.CO.PD.No. 629/02.01.014/2016-17.
👉 How Choice4Voice.com can help:
Choice4Voice.com provides bank grievance email formats to help consumers escalate matters formally to higher bank officials.
How Choice4Voice.com Works
Choice4Voice.com is India’s leading consumer advocacy and complaint escalation platform, helping individuals raise verified cases of corporate negligence, delayed refunds, and non-responsive customer service.
Our Step-by-Step Process:
- Complaint Submission:
Users submit genuine complaints through a verified Google Form on the Choice4Voice.com website. - Verification:
The team verifies documents, transaction details, and identity before publishing. - Public Escalation:
Genuine complaints are published on Choice4Voice.com and LinkedIn, tagging the relevant company and industry authorities. - Legal Assistance:
Choice4Voice.com provides legal templates (FIR, RBI Ombudsman, Consumer Forum, Cyber Complaint) for employees and consumers. - Awareness and Pressure:
Publishing verified cases builds public pressure on companies to resolve the issue quickly. - Resolution Support:
The team monitors progress and updates the case status when resolved.
Author
Nikhil Singh is a Fullstack AI Engineer specializing in Python, Node.js, React, Machine Learning, and Generative AI. As a technically proficient and detail-oriented professional, he raised this issue publicly to highlight the importance of accountability in banking systems. His proactive approach reflects the growing voice of digital professionals demanding transparency and timely resolution from Indian financial institutions.
Q&A on Failed UPI Cash Withdrawal Refunds
Q1. How long does it take to get a refund for a failed UPI ATM withdrawal?
Usually within T+5 working days. Beyond that, the bank is liable to pay compensation.
Q2. What if I don’t receive my refund after 5 days?
You can escalate to the RBI Ombudsman through cms.rbi.org.in.
Q3. Can Choice4Voice.com help me draft an RBI complaint?
Yes, we provide ready-to-use complaint templates for RBI escalation.
Q4. Which authority governs ATM refund delays in India?
The Reserve Bank of India (RBI) regulates such disputes.
Q5. Can I get compensation for delayed refunds?
Yes, as per RBI guidelines, banks must pay ₹100 per day after 5 days of non-refund.
Q6. Should I contact ICICI Bank or HDFC Bank?
You must contact the issuing bank (HDFC) the bank that debited your account.
Q7. What is the RBI circular for ATM failure refunds?
RBI Circular DPSS.CO.PD.No.629/02.01.014/2016-17 mandates a refund within 5 days.
Q8. Can this issue be taken to Consumer Court?
Yes, if the bank fails to act responsibly, you can file a Consumer Forum complaint.
Q9. How to file a complaint with RBI Ombudsman?
Visit https://cms.rbi.org.in, select “Lodge Complaint,” and fill in transaction details.
Q10. Is ₹200 worth filing a case?
Yes — it’s about consumer rights, not just the amount.
Q11. Can I file a police complaint for ATM fraud?
Yes, if money is debited without your consent or due to system manipulation.
Q12. Does the RBI monitor banks’ refund delays?
Yes, RBI monitors refund performance and penalizes delays beyond 5 days.
Q13. What documents are needed to file a complaint?
Transaction slip, SMS/email alerts, bank statement, and complaint reference number.
Q14. Can I use the Choice4Voice.com platform for my case?
Yes, Choice4Voice.com publishes verified complaints and offers escalation support.
Q15. How do I contact HDFC Bank for grievance escalation?
Email grievance.redressal@hdfcbank.com with your transaction details.
Q16. Can I get refund credit without re-raising the case?
Sometimes yes, but most cases require formal escalation.
Q17. Is there a mobile app for RBI CMS complaints?
Yes, the RBI CMS app is available on Android and iOS for quick filing.
Q18. Can I tag the bank on LinkedIn or X (Twitter)?
Yes, public tagging often helps expedite resolution.
Q19. How can I track my complaint status?
RBI CMS portal provides a complaint tracking option using your case ID.
Q20. What makes Choice4Voice.com reliable?
It’s a neutral, transparent, consumer-first platform that verifies every complaint before publishing.
