[Resolved]  HDFC Bank — transaction got declined from the atm

HDFC Bank Customer Care's response Feb 01, 2019 Dear Customer,

Your request for customer dispute has been logged. The complaint id no. is 1808166. As an HDFC Bank customer, when you transact at a non-HDFC Bank ATM the transaction is routed through ATM networks authorized and governed by the RBI. As per the extant RBI guidelines, disputes pertaining to non/short dispensation of cash need to be resolved by way of Charge Back, wherein the card issuing bank raises a chargeback on the acquiring bank whose ATM was used to conduct the transaction. The acquiring bank has to revert with a valid proof in the form an ATM Log indicating that the funds were successfully dispensed failing which the customer’s account will be credited within 7 working days from the date of the complaint. Furthermore, as per the network operating guidelines, the ATM log is sufficient and conclusive proof of successful cash dispensation.

-Nadia
HDFC Bank Customer Assistance