I received a phone call from the branch on Saturday afternoon, either at 3 PM or 4 PM, informing me that my account had been activated and I could start using it. They asked me to begin sending funds to the account to test its functionality.
To conduct the test, I entered the WM Account details in the BHIM UPI app to initiate a fund transfer from my HDFC account. However, the transaction failed, even though the amount was debited from my account and displayed in the transaction history. Subsequently, I contacted the ICICI branch to inquire if they could see any funds in my account, but they confirmed that they couldn't find any.
In order to check the transaction status, I had to reach out to the HDFC Branch Manager, who informed me that the transaction was successful and advised me to contact ICICI for further assistance. I waited until Monday morning and then contacted ICICI support, providing them with all the necessary evidence. They acknowledged that my account was not activated and questioned why I had sent funds. They mentioned that they would attempt to reverse the funds. Eventually, after several email exchanges with ICICI, I received the refunded funds in my HDFC account.
Regarding the account creation process, I received an instant kit for the WM account from the WM Branch. However, during the account creation, they mistakenly set it up as a regular zero-balance account, referred to as a "Digital Saving account." On Monday, when I mentioned that my account was not reflecting as WM in net banking, they discovered the error and apologized, assuring me that they would upgrade the account promptly.
Despite the account correction, I encountered additional issues. I discovered that I couldn't link my account via UPI, and I was unable to perform any regular fund transfers through net banking.
However, despite providing my PAN and AADHAR details when I opened my account, they are now requesting a self-attested copy of my AADHAR to raise an internal service request (SR) and rectify the issue.
