[Resolved]  HDFC Bank — Atm dispute

Sep 22, 2020

HDFC Bank Customer Care's response Dear Customer,

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 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.