funds not reflecting in Apple account

You need to contact Apple directly. There is no email support unless documentation is requested after making phone/chat contact using this link:

Contact Apple Support - Apple Support

You certainly would not want to post personal account details on a public support site such as this. It is made up of users just like you to offer assistance and not a direct link to Apple, who is the only one that has access to your account. There is a limit on the dollar amount that can be added to your Apple Account, so Apple would also be the best option to discuss that with them.

Re: funds not reflecting in Apple account

Seems transfers from banks / credit providers etc / do not always transfer immediately ... sometimes it tales 24 hours for processing. Somtimes restarting your iPhone can help display updated account changes.

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Re: why post in the community when I cannot share my transfer details here....

I guess, in this case, it is so we can try to help facilitate the communication you want with Apple:

No-one here has access to your accounts or details.

We are all Apple users, like yourself, volunteering our time and effort to assist each other.

For Apple Account info. / support / contact options etc: / We can use the search field or use the contact options.

(Eg: There's a "Get support - start now" link (online-chat / phone / email tc.) at the bottom of the webpages that open from the link below ... or you can download Apple's "Support" app)

Apple Account Support website: Apple Account - Official Apple Support

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Re: There need to be some proper mechanism to handle complaints on funds that are not reflecting

You may need to check with your bank or credit provider, if the transfer still hasn't completed.

( Eg: For an international transfer they made need your authorisation)

Else: If you are making an online purchase from Apple:

links are provided to chat with a specialist about the item(s) / purchase(s).

Eg: (see link at top right on their webpage) Apple Store Online - Apple

You can also use "Shopping help" online : it has a link to your order / details etc. if making one..

or

There are also contact options at:

Billing and Subscriptions support website: Subscriptions and Billing - Official Apple Support

Read this article about how to check your Apple ID balance.--> Check your Apple Account balance - Apple Support

- If you think that your Apple ID balance is incorrect, sign out of the App Store or iTunes Store, then sign back in and check the balance again. If you still think that the balance is incorrect, check your purchase history to see if a subscription renewed or you bought an item that used the funds. Read this support article for directions about how to see your purchase history in the App Store or iTunes Store [mobile device, computer, or web] --> View your purchase history for the App Store and other Apple media services - Apple Support

If you still have problems:

Click here --> Choose your country or region - Official Apple Support Select your country, then a product. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.

or:

Contact Apple for support and service --> "See a list of Apple phone numbers around the world."

Click here --> Contact Apple Support - Apple Support

For a UPI transfer, this post UPI payment is successful but funds not a… - Apple Community has an image where it says: "Payments may take up to 3 working days to be reflected in your account". Remember that weekends and holidays are not workdays. Comments about slow UPI transfers are common on this forum.

Apple Account is essentially an online Apple Gift Card. Did you mean to purchase $12,000 of Apple Gift Cards?

Are you confusing Apple Account with Apple Cash account? Apple Card account (Mastercard credit card), Apple Savings Account or what exactly?

Don’t if you actually tried sending $12,000 to your Apple Account it was rejected. Apple has a $10,000 limit in a 7 day rolling period.

Do you need additional assistance or information?

Do you really mean your “Apple Account” …

… or rather your “Apple Savings Account” ?