Online fraud money Recovery पैसा कैसे वापस मिलेगा | Online fraud ho jaye to kya karen | Upi Fraud

Summary

This video offers a practical guide for recovering money lost through online fraud or cyber scams. It outlines a clear, step-by-step process including blocking transactions, reporting the fraud to the bank, registering complaints with helplines and cybercrime websites, and working with payment platforms like Google Pay or Paytm. The video emphasizes the importance of acting quickly—within 24 to 72 hours—and provides tips on avoiding common mistakes in the complaint process to ensure a successful refund. Following these steps significantly increases the chances of recovering funds within 10 days.

Takeaways

• 😀 Act quickly: If you're a victim of online fraud, take action immediately to prevent further losses.
• 😀 Block transactions: Contact your bank right away to block any fraudulent transactions from your debit/credit cards or UPI.
• 😀 Register your complaint: File a complaint with the cybercrime helpline (1930), website, or your local cyber police station to officially report the fraud.
• 😀 Provide accurate details: When registering a complaint, ensure you provide all necessary details to avoid delays in processing.
• 😀 Submit your complaint to your bank: After reporting the fraud, submit the cybercrime complaint copy to your bank along with a formal refund request.
• 😀 Get an acknowledgment: Always get a receipt or acknowledgment from the bank for your complaint to keep a record.
• 😀 Use email to follow up: If the bank doesn't provide immediate confirmation, send a follow-up email for proof of the complaint registration.
• 😀 Complete the process quickly: The quicker you complete the complaint process (within 24 hours), the higher your chances of getting a refund.
• 😀 Act within 3 days: Complete the complaint process within 3 days to maximize your chances of getting a refund within 10 days, according to RBI guidelines.
• 😀 Avoid mistakes: Ensure all details in your complaint (like transaction IDs and bank details) are correct, as even small errors can delay the process.

Q & A

What should you do immediately if you fall victim to online fraud or a cyber scam?

The first step is to contact your bank to block all transactions, including IMPS, debit/credit card transfers, and UPI payments. This helps prevent further unauthorized transactions.

How can you register a complaint if you experience online fraud?

You can register a complaint by calling the 1930 helpline, using the Cyber Crime website, or by visiting a local Cyber Police Station. Ensure to provide complete details to avoid your complaint being left pending.

What is the significance of the 24-hour period after falling victim to fraud?

The first 24 hours are considered a golden period for reporting fraud. If you register your complaint within this timeframe, the chances of recovering your money are much higher.

What should you do if your bank does not immediately acknowledge your complaint?

If your bank doesn't provide an acknowledgment receipt immediately, make sure to follow up by sending an email to the bank, ensuring that your complaint is formally recorded.

How can reporting to payment apps like Google Pay, Paytm, or PhonePe help in recovering your money?

Payment apps have customer support teams and cyber cells that can trace fraudulent transactions made through their platforms. Reporting the incident to them increases the likelihood of reversing the fraudulent payment.

What is the role of the RBI in fraud cases, and how does it affect the recovery process?

The RBI recommends that fraud complaints be registered within 3 days for better chances of recovery. The first 24-72 hours are crucial for filing a complaint and ensuring that the transaction is traced and possibly reversed.

What should you do if your complaint is not processed after registration?

If you don't receive a response after registering a complaint, it could be due to small errors in the details provided (like transaction IDs or account numbers). Double-check your information and resend the complaint with the correct details.

Why is it important to be precise when providing transaction details during the complaint process?

Small errors, such as incorrect transaction IDs or account numbers, can delay or invalidate the complaint. Accurate details ensure that the authorities can track and process your case efficiently.

What happens if you follow all the recovery steps correctly but still don’t receive a refund?

While following all the steps correctly increases your chances of recovery, some cases may still result in no refund due to the nature of the fraud or delays in the system. It's important to keep following up with both the bank and law enforcement.

Is there a specific timeframe to complete all recovery steps after a fraud incident?

Yes, it is advised to complete all recovery steps within 24 to 72 hours after the fraud incident. This increases the chances of successfully recovering the lost funds.