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Scam call or UPI fraud: first hour (India)

Call 1930, tell your bank, block access and keep the proof. Speed gives you the best chance.

21 items · 4 sections · money, fraud, security, india

Start this checklist

In the first minutes (6)

  • End the call or chat. Do not send more money to "fix" it
  • Call 1930, the national cyber fraud helplineGive the amount, the time, the UPI ID and the transaction reference. Note the acknowledgement number.
  • Report it at cybercrime.gov.in tooChoose financial fraud and keep the complaint number.Open
  • Call your bank on the number on its own app or cardNever use a "customer care" number from a search result or a message.
  • Ask the bank to block UPI, net banking and your cards, and to mark the transaction as fraud
  • Ask for a reference number in writing

Close the doors (4)

  • Uninstall any app the caller asked you to installScreen-sharing apps are common in these scams. Take a screenshot of the app first.
  • Change your UPI PIN and your net banking and email passwordsUse a different, clean phone if you can.
  • Tell your mobile operator if your SIM stopped working
  • Check your other accounts and cards for payments you do not recognise

Keep the proof (4)

  • Screenshot the transaction, UPI ID and all messages
  • Save the caller number and the call log
  • Write down what happened while you remember it
  • Keep the 1930, portal and bank reference numbers together

In the next days (7)

  • Report to your bank in writing within 3 working daysRBI's 2017 rules give zero liability for third-party fraud reported in that time. RBI has proposed changes, so check its site.Open
  • Tell the bank even if you shared an OTP or PINThe loss may be yours up to the time you report it. Anything lost after that is on the bank.
  • Ask about the temporary creditThe same rules give banks 10 working days to credit the disputed amount, and 90 days to resolve the complaint.
  • File a complaint at your local police or cyber cell if asked
  • No answer from the bank in 30 days? Complain to the RBI OmbudsmanOpen
  • Beware of "recovery agents" who promise your money back for a feeThis is often the same scam again.
  • Be kind to yourself. These scams fool careful people

Written from www.rbi.org.in

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