Since the introduction of UPI (Unified Payments Interface), sending and receiving payments has become a breeze. Whether it is making online transactions, paying merchants, recharging, paying bills, or sending money to friends and family, it can be done in just a few seconds.  

However, some issues can occasionally arise while making payments. You might experience technical problems, like glitches or slow bank servers, or even unauthorized UPI payments. In such cases, it is necessary to file a complaint. 

In this guide, we’ll see how you can raise a complaint for a wrong UPI transaction and how you can check the status of your complaint. 

First, let’s look at the issues that you can face in UPI transactions. 

Types of UPI Transaction Errors and Issues 

1. Account Issues 

You may need to update your account before making a UPI transaction. You could face problems when changing, removing, linking, or fetching account details. You might also have trouble closing your account. 

2. PIN Issues 

You may have trouble setting your UPI PIN. You could get locked out after too many wrong attempts or accidentally block your PIN. Entering the wrong PIN can also cause problems. 

3. Processing Issues 

Your money might get deducted but the transaction fails. You could send money to the wrong account, or your transaction might be pending, declined, or timed out. You may also exceed transaction limits. 

4. Other Issues 

You might not be able to log in or register on the app. OTP errors can also occur. 

Potential Reasons for Money Being Sent to Incorrect UPI Addresses 

  • User error: People might type the wrong UPI address due to a mistake or misunderstanding. 

  • Similar UPI addresses: Users can easily confuse similar UPI addresses, especially those with common names or words. 

  • QR code issues: Incorrectly generated or scanned QR codes can lead to wrong UPI addresses. 

  • Fraud: In some cases, scammers intentionally provide incorrect UPI addresses to steal money. 

  • Technical problems: App or server glitches can cause money to be sent to the wrong address. 

How to Register a UPI Complaint Online 

  1. To make a UPI complaint, follow the steps listed below: 

  2. Visit the official NPCI website. 

  3. Click on 'UPI' under the 'What We Do' tab, then select 'Dispute Redressal Mechanism'.  

  4. Choose 'Transaction' under the 'Complaint' section.  

  5. Pick the type of transaction that matches your complaint. 

  6. Select the issue you're facing (account, PIN, registration, transaction, etc.). 

  7. Provide the bank name, transaction ID, your UPI ID, the amount transferred, the transaction date, and your email address.  

  8. Provide your registered mobile number and upload a copy of your bank statement.  

  9. Hit the ‘Submit’ button to send your complaint.  

UPI Complaint Number 

Alternatively, you can call the UPI helpline at 18001201740 for assistance. This number is available 24/7. 

Report a UPI Issue: What You Need 

To file a UPI complaint, you'll require: 

  • Your registered mobile number 

  • Transaction date 

  • Email address 

  • A description of the transaction issue 

  • Your UPI ID 

  • Bank account details (card or account number) 

  • Transaction reference or ID number 

Steps to Check the Status of a UPI Complaint 

  • Go to the NPCI complaint website. 

  • Click "Check complaint status," choose your product type, and enter bank details.  

  • Enter your CRN number and captcha code. 

  • Click "Get Status" to see your complaint's status. 

Recommended Read: UPI Transaction Charges - Transfer Limit Per Day & Guidelines  

How to Recover Money Sent to the Wrong Account 

  1. Ask the Receiver for a Refund: Contact the person who got your money and politely ask them to return it. Tell them about the mistake. 

  2. Report to Your UPI App: Tell your UPI app’s customer service that you sent money to the wrong person. Give them all the information and proof. They can help you start the refund process. 

  3. File a Complaint with NPCI: If your UPI app can't help you, contact the National Payments Corporation of India (NPCI). Give them the details and proof of the wrong transfer. They will investigate. 

  4. Involve Your Bank: Tell your bank about the mistake. Give them all the details and papers. They might be able to start a chargeback to get your money back. 

  5. Contact the Banking Observer: If you’re unhappy with your bank or UPI app, tell the Banking Observer. They can help solve the problem between you and them. 

Summing Up, 

Filing a UPI complaint helps fix UPI problems. 

Use the steps above to report problems and get help. Give correct information and check your complaint often to make sure it's solved quickly. 

Frequently Asked Questions 

1. How can I register a complaint about a UPI transaction? 

You can do it through the NPCI website. Go to their UPI Dispute Redressal page to file a complaint. 

2. How do I find my complaint number in BHIM UPI? 

To find your complaint number in BHIM UPI, visit their website, go to the 'FAQs' section, and then find the 'Help & Support' section. Call the BHIM UPI toll-free number for help. 

3. What should I do if I made a wrong payment? 

If you sent money to the wrong person, visit the NPCI website and use their UPI dispute resolution page to report the issue. 

4. How can I complain to the RBI about UPI payments? 

Before complaining to the RBI about UPI payments, you must complain to your bank or financial institution. If you're still unhappy with the resolution, you can file a formal complaint with the RBI Ombudsman. 

5. What is the UPI complaint number? 

You can call the NPCI UPI complaint number, 18001201740, to file a complaint. 

6. Can I get a refund for a wrong UPI transaction? 

Contact customer care or visit your bank with proof to request a refund. Processing your refund can take up to 45 days, depending on the information you provide and the verification process. 

7. What to do if I enter the wrong UPI PIN while making a payment? 

If you enter the wrong UPI PIN, the transaction will fail. Your bank might block your UPI payments if you keep trying the wrong PIN. This block lasts for different times depending on the bank.