Naveen Dhingra, a Genpact Consultant, alleges HDFC Bank has failed to resolve his UPI payment failures for over 6 months (Case Ref. 82704275), causing daily financial disruptions.
Complaint Summary : HDFC Bank UPI Payment Failures – Complaint by Naveen Dhingra Pending for 6+ Months
| Details | Information |
|---|---|
| Complainant Name | Naveen Dhingra |
| Not disclosed | |
| Company/Brand | HDFC Bank |
| Complaint Type | UPI Transaction Failures / Poor Customer Support |
| Product/Service | UPI Payments linked to HDFC Bank account |
| Case Reference No. | 82704275 |
| Issue Description | UPI payments failing for over 6 months, no resolution despite escalations, poor handling by customer support |
| Duration of Issue | 6+ months |
| Company’s Response | Unresolved; 10-day SLA repeatedly missed |
| Complaint Source | LinkedIn (public post by complainant) |
Full Write-Up
Naveen Dhingra, a consultant at Genpact Headstrong Capital Markets, has raised serious concerns against HDFC Bank over continuous UPI payment failures linked to his bank account.
The issue, registered under Case Ref. 82704275, started with a credit card payment failure but soon escalated into all UPI transactions failing. For more than six months, Naveen has been unable to make even basic daily payments through UPI, leading to repeated embarrassment in front of merchants and service providers.
Despite multiple escalations with HDFC Bank:
- No resolution has been provided.
- The standard 10-day SLA has been repeatedly breached.
- A call from HDFC’s transaction monitoring system only worsened the situation when the representative hung up after refusing escalation to her supervisor.
Naveen stated that this is not only poor service but also a breach of customer trust. If unresolved, he has indicated his intention to escalate the matter to the Reserve Bank of India (RBI) and the Banking Ombudsman.
How Choice4Voice.com Can Help
At Choice4Voice.com, we support consumers like Naveen Dhingra who face long-standing unresolved banking issues.
We assist by:
- Publishing complaints publicly to highlight accountability.
- Providing step-by-step guidance for filing with the RBI Ombudsman.
- Sharing legal templates for banking complaints.
- Escalating issues across LinkedIn and other platforms to ensure companies respond promptly.
Possible Legal Remedies
- RBI Banking Ombudsman: File under “deficiency in banking services” for failure to enable UPI transactions.
- Consumer Forum: Seek compensation for financial inconvenience, repeated service denial, and mental harassment.
- Cyber Grievance Escalation: Since UPI is part of digital banking, complaints can also be escalated to NPCI (National Payments Corporation of India).
- Escalation to RBI Department of Payment & Settlement Systems (DPSS): For failure in digital payment systems.
Brand Background – HDFC Bank UPI Services
- HDFC Bank, India’s largest private sector bank, is one of the earliest adopters of UPI transactions in partnership with NPCI.
- UPI has become the backbone of digital payments in India, with billions of monthly transactions.
- However, repeated system glitches, poor customer service, and technical delays in handling cases like Naveen’s have raised questions about service reliability.
Q&A – Commonly Searched Questions
Q1: Why are my UPI payments failing in HDFC Bank?
A: Failures can occur due to KYC issues, system errors, transaction monitoring blocks, or technical glitches.
Q2: What is Case Ref. 82704275 about?
A: It is the complaint reference raised by Naveen Dhingra regarding UPI payment failures in HDFC Bank.
Q3: How long can a bank take to resolve UPI failures?
A: RBI guidelines expect resolution within 7–10 working days. Longer delays are service lapses.
Q4: Can HDFC block UPI transactions without notice?
A: Only in cases of suspicious or fraudulent activity. Otherwise, prolonged blockages are unlawful.
Q5: What should I do if my UPI payments fail repeatedly?
A: Contact your bank immediately, escalate to NPCI, and if unresolved, file with the RBI Ombudsman.
Q6: Can NPCI help in UPI failures?
A: Yes, NPCI oversees UPI and can intervene when banks fail to resolve disputes.
Q7: What is the role of the RBI Ombudsman in UPI complaints?
A: To provide customers with an independent grievance redressal system for digital payment issues.
Q8: How can I track the status of my complaint with HDFC?
A: Through the complaint reference number provided (like 82704275 in this case).
Q9: Can I sue HDFC for UPI failures?
A: Yes, through the Consumer Forum under deficiency in service.
Q10: How common are UPI failures in India?
A: NPCI data shows millions of failed UPI transactions monthly due to banking and network errors.
Q11: Does RBI allow banks to delay UPI resolutions for 6 months?
A: No. Delays of this scale are violations of RBI’s grievance redressal guidelines.
Q12: What penalties can banks face for unresolved UPI issues?
A: RBI can impose fines, and Consumer Forums can award compensation to customers.
Q13: Can I switch my UPI to another bank?
A: Yes, linking UPI to another bank account may resolve persistent issues.
Q14: Can UPI issues affect credit score?
A: No, but failed payments can cause embarrassment and financial disruption.
Q15: Can I escalate UPI complaints to NPCI directly?
A: Yes, NPCI provides grievance redressal channels for unresolved UPI issues.
Q16: What are common reasons for UPI decline in HDFC?
A: Technical outage, server downtime, compliance flags, or incorrect KYC.
Q17: Is UPI safe despite such failures?
A: Yes, UPI is safe, but system lapses and bank negligence can cause temporary issues.
Q18: How long has Naveen Dhingra’s issue lasted?
A: Over 6 months without resolution, despite escalations.
Q19: Can RBI take direct action against HDFC for this?
A: Yes, if a formal complaint is filed with supporting documentation.
Q20: How can Choice4Voice.com help me if I face UPI issues?
A: We provide escalation support, legal templates, and publish verified complaints for maximum impact.
✅ Author: Naveen Dhingra (via LinkedIn complaint)
✅ Platform: Choice4Voice.com
