If you’ve become a victim of cyber fraud (such as unauthorized transactions, phishing, identity theft, UPI fraud, etc.), act quickly and follow these steps:
✅ Immediate Actions (First 30 minutes)
1. Call Your Bank/Wallet Customer Care Immediately
- Block your card/UPI/account to prevent further transactions.
- Ask them to register a fraud complaint/ticket and note the complaint ID.
2. Report to Cybercrime Portal
Go to: https://cybercrime.gov.in/
- Click “File a Complaint” > “Report Other Cyber Crime”
- Choose “Financial Fraud” and submit full details (screenshots, account numbers, etc.)
⚠️ Important: You can also call Cyber Crime Helpline 1930 (National Helpline)
📄 Documentation and Evidence
Keep the following ready:
- Screenshots of the fraud messages/transactions
- Bank statement of the fraudulent transaction
- Any emails or numbers used by the fraudster
- Your ID proof (Aadhaar/PAN)
🏦 File a Complaint with Your Bank in Writing
Submit a written complaint (email or letter) to your bank branch or customer care, mentioning:
- Time and date of the fraud
- Mode (UPI, Netbanking, etc.)
- Request to reverse the transaction
RBI guidelines (under Digital Payment Security Controls) mandate banks to resolve such issues within 90 days.
🚨 File an FIR (If Amount is Large or Identity is Stolen)
- Visit your nearest police station or cybercrime cell
- Carry a printed copy of the cybercrime.gov.in complaint
- File a formal FIR under IPC sections (eg., 420 for cheating, 66C, 66D of IT Act)
🔒 Secure Your Devices and Accounts
- Change passwords for email, banking, UPI apps (Google Pay, PhonePe, etc.)
- Enable 2-factor authentication (2FA)
- Run antivirus/malware scan
💡 Tips
- Don’t delete fraud messages/calls; they are proof.
- Never share OTPs or card details again.
- Use Truecaller or similar to flag/report spam numbers.
📢 Sample Complaint Template for Bank
Subject: Request to Block Account and Investigate Cyber Fraud
Dear [Bank Name] Customer Support,
I am writing to report a case of cyber fraud involving my account [Account Number]. On [Date], a fraudulent transaction of ₹[Amount] occurred without my knowledge or consent. I have already lodged a complaint on the Cyber Crime portal (Complaint ID: XXXXXXXXXX).
Please block my account/card immediately and initiate an investigation. Kindly treat this as urgent and provide updates on the reversal/refund process.
Regards,
[Your Full Name]
[Mobile Number]
[Email]
BBR is largest active consumer community. Amplifying consumer voice since 2018.