How To Raise A UPI Complaint: Step By Step Guide

Do you want to know all about how to raise a UPI Complaint? If yes, this is the place! UPI is the most famous digital payment system in India. It was created by the National Payments Corporation of India (NPCI). It lets people send and receive money instantly between banks. You can do that by using apps like GPay, PhonePe, Paytm, BHIM, and more. Millions of people use UPI Payments every hour now. But there are times when there can be problems. Since the user base is huge, there can be issues related to payments failing, money sent to wrong person, or a fraud transaction.

In this situation, knowing how to raise a UPI Complaint can really help. This way, anyone can make a formal complaint and resolve the issue in no time to get their money back. In this article, we will review the details so you are aware of what to do if this happens to you. Let’s get started:

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Advantages Of Knowing How To Raise A UPI Complaint

It can be really useful if you know how to raise a UPI complaint. Not only can you protect yourself, but you can also be aware of people around you, especially friends and family. Since scams are on the rise, it’s better to equip yourself with helpful information.

With the help of the UPI complaint, you can:

• Recover money that was lost in failed or wrong transactions and keep your savings safe.
• There can be a quick resolution if the complaint is filed formally.
• It can be more safe for you to make digital payments because you can alert the authorities on time.
• Your rights as a user would be protected.

Situations Where Raising A UPI Complaint Will Help!

Not every situation requires raising a formal UPI complaint. For example, when the payment is still showing “processing” and stays that way for a while, people fear the money is gone. But UPI typically makes automatic refunds in 1-2 business days if there is any deduction. So, in this situation, raising a formal complaint is not required. So, we will discuss when to raise a UPI Complaint.

1. Money is debited from your account, but the payment doesn’t go through (e.g., due to network issues). This is when the screen will show, “Payment Failed,” but money is debited.
2. You accidentally send money to the incorrect UPI ID or account.
3. There are unauthorised transactions. It can be scams involving fake QR codes, phishing, or malware.
4. The same amount is deducted twice for a single transaction.
5. The recipient doesn’t receive the money, even though it’s debited from your side.
6. Issues with payments to online sellers or service providers where goods/services aren’t delivered.
7. App errors leading to incorrect balances or transaction histories.

If you notice any discrepancy in your bank statement or app notifications, act quickly. This is because most complaints have time limits.

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Step-By-Step Guide: How To Raise A UPI Complaint For Quick Resolution!

Before we start with the steps, there are some things that you will require to raise a formal complaint. They are UPI Transaction ID, Date and time of transaction, Amount, Sender and Recipient information. You can also collect the screenshots if you have any.

Method 1: Complaint Through UPI App

This method is the fastest because most UPI apps have built-in complaint features. Here’s how you do it:

Resolution Time: 1 to 5 Business Days.

• Open your UPI app.
• Go to Transaction History or Payments.
• Select Problematic Transaction.
• Tap Report Issue / Raise A Complaint / Help
• Choose the complaint type (e.g., Transaction Failed, Wrong Recipient, Fraud).
• Write a brief description and attach screenshots.
• Submit and note the Complaint Reference Number (CRN).

Method 2: Through Your Bank

Resolution: Usually 10–30 days, depending on the issue.

You can also contact your bank via Phone, Email, or app. For this, you have to:

• Provide transaction details or explain the issue.
• If there is any fraud, report it immediately. Please note that your account may be temporarily frozen. If needed, you can also visit the branch with ID Proof, bank statements, and transaction info.

Helpline: You can contact NPCI on the toll-free number 1800-120-1740 for guidance.

Method 3. Through NPCI’s Dispute Redressal Portal

If the app or bank doesn’t help:

1. Go to NPCI website > UPI > Dispute Redressal Mechanism.
2. Select complaint type: e.g., Amount Debited but Not Credited, Transaction Failed but Debited, Wrong Transfer, Fraud.
3. Enter details: description (max 500 characters), UTR, date, email.
4. Submit and note the CRN.
5. Track your complaint using the CRN.

For fraud, contact your bank first, as NPCI only forwards complaints.

Method 4. Escalation to RBI Ombudsman

Please note that this method should be your last resort.

If unresolved after 30 days:

1. Gather all previous communications (CRNs, responses).
2. File online via RBI Complaint Management System or submit a physical complaint.
3. Select Banking Ombudsman and provide details.

This is a free service and can lead to binding decisions on banks.

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Top Myths About UPI Complaints

Since there are financial transactions involved, it’s important to know about myths about UPI complaints. By knowing these myths, you can actually have more information about what it can or cannot do.

Myth #1: You Cannot Recover Money From Wrong Transfers

If you report any wrong transfer quickly to your bank or NPCI, it can increase your chances of getting your money back. This is especially if the recipient cooperates.

Myth #2: Complaints Take Forever To Resolve

There are many people who believe that even if they raise a complaint, the solution will take a lot of money. It is wrong. Many app-based disputes are resolved in just a few days.

Myth #3: Only banks handle complaints

UPI apps, NPCI, and RBI all play a role. There are multiple ways to solve issues. So, it’s not right to believe that you will find solution only through banks.

Myth #4: Reporting fraud is useless

Immediate reporting can block accounts, recover funds, and involve cyber police for major scams.

Myth #5: UPI is unsafe

With careful use, UPI is one of the safest payment methods. This is because it is regulated by RBI.

FAQs About UPI Complaints

How long does it take to resolve a complaint?

Apps: 1 to 5 days. Banks: up to 30 days. RBI Ombudsman: 30 to 90 days if escalated

What if I don’t have the UTR?

Check your bank statement or app history. If unavailable, provide date, amount, and accounts involved. The banks can trace it.

Can I complain about old transactions?

Usually within 3 months. For fraud, report immediately.

Is there a fee for filing a complaint?

No, it’s free across all platforms.

What if the complaint is against a merchant?

Start with the app or bank. If unresolved, use consumer forums like the National Consumer Helpline (14404).

How can I prevent UPI issues?

Double-check UPI IDs, use verified apps, enable transaction alerts, and never share sensitive info.

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Conclusion

In the end, raising a UPI complaint can seem a lot of work. But trust me, you can get quick resolution if you do it right and formally. Taking a step-by-step approach can help you in getting your money back. Please share this info with your loved ones so that they can know what to do in case of scam, fraud, or wrong transfers. Let me know if you have any doubts in the comment section below. I would love to hear you out.

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