HDFC Bank Complaint Letter Generator India

To,
The Branch Manager,
HDFC Bank Limited,
[Branch Name] Branch,
[Branch Address, City – PIN]

Copy to: The Principal Nodal Officer, HDFC Bank Limited

Date: [DD/MM/YYYY]

Subject: Formal complaint – HDFC Bank Account No. [XXXXXXXXXXXXXX] – [Unauthorised debit / Failed transaction / Wrongful charge] of Rs. [Amount]

Dear Sir / Madam,

I, [Your Full Name], residing at [Your Complete Address], hold Account No.
[XXXXXXXXXXXXXX] with HDFC Bank at the above branch (IFSC: [HDFC000XXXX]). I am
writing to lodge a formal complaint under the Bank's Grievance Redressal Policy.

TRANSACTION / ACCOUNT DETAILS:
• Account Number      : [XXXXXXXXXXXXXX]
• Customer ID         : [XXXXXXXX]
• Date of transaction : [DD/MM/YYYY]
• Amount in dispute   : Rs. [Amount]
• Reference / UTR     : [Reference Number]
• Channel             : [NetBanking / MobileBanking / ATM / Debit Card /
                        Credit Card / UPI / Branch]

FACTS:
On [DD/MM/YYYY], my account was debited by Rs. [Amount] towards [describe the
transaction]. [State plainly what is wrong: I did not authorise this transaction
and did not share my OTP, PIN or card details with anyone / the transaction
failed at the merchant end and the merchant has confirmed non-receipt / this
charge was levied without prior written intimation as required.]

I reported the matter to the Bank on [DD/MM/YYYY], within [NN] hours/days of
noticing it, through [phone banking / NetBanking complaint / branch visit], and
the complaint was registered as Reference No. [XXXX]. Since then,
[no substantive response has been received / the response dated [DD/MM/YYYY]
stated [X], which does not address the facts set out above].

APPLICABLE RBI POSITION:
Under the RBI framework on limiting the liability of customers in unauthorised
electronic banking transactions, where the loss is due to a third-party breach
and the customer notifies the bank promptly, customer liability is nil or
limited, and the bank must credit (shadow reversal) the disputed amount within 10
working days of notification. For failed transactions, the RBI Turn Around Time
framework prescribes auto-reversal with per-day compensation for delay.
[Check current RBI circulars on rbi.org.in.]

RELIEF SOUGHT:
1. Credit of Rs. [Amount] to my account, with effect from the date of debit.
2. Compensation for delayed reversal as prescribed by the RBI.
3. Reversal of interest, late fees or penalties triggered by this debit.
4. Written confirmation of the investigation outcome within 30 days.

Should the Bank fail to resolve this within 30 days, I shall file a complaint
with the RBI Integrated Ombudsman at cms.rbi.org.in and pursue remedies under the
Consumer Protection Act, 2019.

ENCLOSURES:
1. Statement extract showing the disputed debit (highlighted)
2. SMS / email alert received for the transaction
3. Acknowledgement of the earlier complaint, Ref. No. [XXXX]
4. Identity and address proof

Yours faithfully,

[Signature]
[Your Full Name]
Account No. [XXXXXXXXXXXXXX]
Mobile: [+91 XXXXXXXXXX]
Email: [your@email.com]
Place: [City]