\n| \n 4 to 7 Working Days<\/span><\/p>\n<\/td>\n | \n Limited Liability<\/b><\/p>\n<\/td>\n | \n Rs 5,000 to Rs 25,000 (varies by account)<\/span><\/p>\n<\/td>\n<\/tr>\n\n| \n Beyond 7 Working Days<\/span><\/p>\n<\/td>\n | \n As per Bank Policy<\/b><\/p>\n<\/td>\n | \n Subject to individual bank board approval<\/span><\/p>\n<\/td>\n<\/tr>\n\n| \n Bank Negligence<\/span><\/p>\n<\/td>\n | \n Zero Liability<\/b><\/p>\n<\/td>\n | \n Regardless of when it is reported<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/span>How to Report Online Fraud for Specific Transactions (UPI & Digital Wallets)<\/b><\/span><\/h3>\nAs the number of people using UPI grows almost exponentially, websites such as PhonePe, Google Pay, and BHIM are subject to frequent <\/span>online fraud in India<\/b>. In case you have fallen victim to a wrong transaction or failed payment where money has been debited, an effective redressal mechanism is offered by National Payments Corporation of India (NPCI).<\/span><\/p>\n<\/span>NPCI UPI Dispute Redressal Steps<\/b><\/span><\/h3>\n\n\n\n| \n Step<\/b><\/p>\n<\/td>\n | \n Action<\/b><\/p>\n<\/td>\n | \n Platform\/Details Required<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n 1<\/span><\/p>\n<\/td>\n | \n Visit NPCI Website<\/span><\/p>\n<\/td>\n | \n Navigate to ‘What we do’ > ‘UPI’ > ‘Dispute Redressal.’<\/span><\/p>\n<\/td>\n<\/tr>\n\n| \n 2<\/span><\/p>\n<\/td>\n | \n Select Complaint Type<\/span><\/p>\n<\/td>\n | \n Choose ‘Transaction’ and ‘Nature of Transaction’<\/span><\/p>\n<\/td>\n<\/tr>\n\n| \n 3<\/span><\/p>\n<\/td>\n | \n Define Issue<\/span><\/p>\n<\/td>\n | \n Select ‘Incorrectly transferred’ or ‘Failed but debited.’<\/span><\/p>\n<\/td>\n<\/tr>\n\n| \n 4<\/span><\/p>\n<\/td>\n | \n Submit Details<\/span><\/p>\n<\/td>\n | \n Provide Transaction ID, Bank Name, Amount, and Date<\/span><\/p>\n<\/td>\n<\/tr>\n\n| \n 5<\/span><\/p>\n<\/td>\n | \n Call Helpline<\/span><\/p>\n<\/td>\n | \n Use 1800-120-1740 for 24\/7 assistance<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/span>How to complain about cybercrime for money fraud (UPI specific):<\/b><\/span><\/h4>\nIt is always important to have your <\/span>Transaction Reference Number<\/b>. The majority of the problems connected with UPI are solved in 3-5 working days in case of its accurate reporting.<\/span><\/p>\n<\/span>Reporting Securities Fraud via SEBI SCORES<\/b><\/span><\/h3>\nIn case your money fraud complaint online is related to the stock exchange, registered clients or brokers, you have to apply to the <\/span>SEBI Complaint Redress System (SCORES)<\/b>.<\/span><\/p>\n\n- New Portal:<\/b> As of March 28, 2024, a new version of SCORES is active. This is the only official channel through which investors are supposed to register and place complaints instead of using email.<\/span><\/li>\n
- Two-Level Review:<\/b> Scores provide a reviewing system. In case of dissatisfaction with the first resolution, an opportunity to request a first-level review takes place within 15 days and the second-level review, respectively.<\/span><\/li>\n
- Toll-Free Support:<\/b> For assistance with securities fraud, call <\/span>1800-266-7575<\/b>.<\/span><\/li>\n<\/ul>\n
<\/span>E-commerce and Consumer Frauds (National Consumer Helpline)<\/b><\/span><\/h3>\nThe <\/span>National Consumer Helpline (NCH)<\/b> is the first resource for those who are asking where to report online shopping fraud in India for free. This especially applies to disputes in which a product was either not delivered or had little resemblance to what was described.<\/span><\/p>\n\n- Reach via WhatsApp:<\/b> Instant chat support can be reached by sending a message to the number <\/span>8800001915<\/b> through WhatsApp.<\/span><\/li>\n
- Call 1915:<\/b> This is a toll-free number that relates to consumer grievances and operates between 8 AM and 8 PM.<\/span><\/li>\n
- Convergence Partners:<\/b> NCH collaborates with other companies (Convergence Partners) in skilled solving of complaints by itself, utilising an internal mechanism preceding the consumer court.<\/span><\/li>\n<\/ul>\n
<\/span>Understanding and Resolving Cyber Cell Bank Account Freezes<\/b><\/span><\/h3>\nIn other cases, the accounts of innocent users are frozen as they unwillingly received money that is associated with a <\/span>digital scam<\/b>. It is commonly used in P2P crypto transactions or in money mule services.<\/span><\/p>\n<\/span>Common Reasons for Account Freezes<\/b><\/span><\/h3>\n\n\n\n| \n Reason<\/b><\/p>\n<\/td>\n | \n Description<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n P2P\/Crypto Link<\/b><\/p>\n<\/td>\n | \n Receiving funds from a Binance\/WazirX user involved in fraud.<\/span><\/p>\n<\/td>\n<\/tr>\n\n| \n Fake Investment Apps<\/b><\/p>\n<\/td>\n | \n Withdrawals from “trading” apps under investigation.<\/span><\/p>\n<\/td>\n<\/tr>\n\n| \n Lien Marked<\/b><\/p>\n<\/td>\n | \n A partial freeze where a specific fraudulent amount is held.<\/span><\/p>\n<\/td>\n<\/tr>\n\n| \n Full Debit Freeze<\/b><\/p>\n<\/td>\n | \n No transactions allowed due to a serious investigation.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/span>How to Unfreeze Your Account:<\/b><\/span><\/h4>\n\n- Visit the Branch:<\/b> Find out the name of the Cyber Cell, the reference number of the freeze order.<\/span><\/li>\n
- Submit Representation:<\/b> Prepare a letter to the officer (IO) of the concerned Cyber cell and give evidence of the rightful income, i.e. in the form of salary slips or invoices.<\/span><\/li>\n
- Obtain NOC:<\/b>
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