UPI Failed Transaction Complaint Letter Generator

To,
The Grievance Redressal Officer,
[UPI App / PSP Name — e.g. Google Pay, PhonePe, Paytm, BHIM],
[Registered Office Address, City – PIN]

Copy to: The Branch Manager, [Your Bank Name], [Branch Name] Branch

Date: [DD/MM/YYYY]

Subject: Formal complaint – Failed UPI transaction of Rs. [Amount] – UPI Transaction ID [XXXXXXXXXXXX] dated [DD/MM/YYYY] – Amount debited but not credited

Dear Sir / Madam,

I, [Your Full Name], residing at [Your Complete Address], hold UPI ID
[yourid@bank] linked to Account No. [XXXXXXXXXX] with [Bank Name]. I am writing
to lodge a formal complaint in respect of the transaction detailed below.

TRANSACTION DETAILS:
• Date and time        : [DD/MM/YYYY], [HH:MM]
• UPI Transaction ID   : [XXXXXXXXXXXX]
• UTR / RRN            : [XXXXXXXXXXXX]
• Amount               : Rs. [Amount]
• Payer UPI ID         : [yourid@bank]
• Payee UPI ID / VPA   : [payeeid@bank]
• Payee name shown     : [Name as displayed in the app]
• Debit bank           : [Bank Name], Account No. [XXXXXXXXXX]

WHAT HAPPENED:
On [DD/MM/YYYY] at [HH:MM], I initiated a UPI payment of Rs. [Amount] to
[payee]. The amount was debited from my account, as confirmed by the SMS alert
received at [HH:MM]. However, [the transaction status in the app shows "failed" /
"pending" / the beneficiary has confirmed in writing that the amount was never
credited]. The amount has not been reversed to my account as on today, [NN] days
after the transaction.

COMPLAINTS ALREADY LODGED:
1. In-app complaint raised on [DD/MM/YYYY] — Ticket No. [XXXX].
2. Complaint to [Bank Name] on [DD/MM/YYYY] — Reference No. [XXXX].
3. [NPCI dispute raised through the app's "Raise dispute" option on [DD/MM/YYYY],
   Reference No. [XXXX], if applicable.]

APPLICABLE POSITION:
The RBI's framework on Harmonisation of Turn Around Time and customer
compensation for failed transactions requires that a failed UPI transaction be
auto-reversed within the prescribed period, and that compensation be paid for
each day of delay beyond it. NPCI's UPI procedural guidelines provide a dispute
resolution mechanism through the payer PSP.
[Check current RBI TAT circular on rbi.org.in and NPCI UPI
dispute guidelines on npci.org.in.]

RELIEF SOUGHT:
1. Immediate reversal of Rs. [Amount] to Account No. [XXXXXXXXXX].
2. Compensation for each day of delay beyond the prescribed reversal period.
3. A written explanation of why the transaction failed and why it was not
   auto-reversed.
4. A written reply within 30 days of receipt of this letter.

If the amount is not reversed within 30 days, I shall file a complaint with the
RBI Ombudsman for Digital Transactions through cms.rbi.org.in and pursue remedies
under the Consumer Protection Act, 2019.

ENCLOSURES:
1. Screenshot of the transaction showing the UPI Transaction ID and status
2. Bank statement extract showing the debit (highlighted)
3. SMS alert received for the debit
4. Copy of the in-app complaint acknowledgement, Ticket No. [XXXX]
5. Written confirmation of non-receipt from the payee, if available

Yours faithfully,

[Signature]
[Your Full Name]
UPI ID: [yourid@bank]
Mobile: [+91 XXXXXXXXXX]
Email: [your@email.com]
Place: [City]