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Delayed UPI Transaction Refund and Consumer Rights


19-May-2026 (In Recovery Law)
A UPI merchant payment remained in processing for more than one month after amount was debited from my account. Merchant stated payment was not received. Refund was received only after repeated complaints to payment app and bank. RBI Ombudsman later closed the complaint stating no banking deficiency. Can I still file a consumer complaint for delayed dispute resolution and deficiency in service and against whom should it be filed
Answers (1)

Answer #1
817 votes
Yes, you can file the same against the Merchant and the Bank together holding the merchant responsible initially so that the bank will support your case. You need to approach the consumer forum after sending a legal notice.
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