How to complain against a UPI fraud?

3 min read
September 18, 2019

When was the last time you (or someone you know) received a call from a stranger asking for your UPI pin?

Mobile wallets and apps like Google Pay, PhonePe, PayTM, etc. have an integrated payment system which executes interbank transactions within seconds.

Within 3 years of launch, Unified Payments Interface or UPI has ushered the age of making payments with ease. UPI recorded an all-time high amount of transactions worth ₹91.83 crores in August.

However, UPI users have lost lakhs due to scams. There have been instances where the UPI app stated that the transaction had failed, but the bank stated that the account has been debited. Such failed transactions usually get reversed, but when they don’t – it implies a UPI fraud.

Non-UPI users get SMSes initiating a UPI service registration- this is a major red flag. This means that a fraudster is trying to use your bank details to create an account.

If you or someone you know is a UPI scam victim, this guide will tell you what you need to do next.

Defrauded by UPI scam? This should be your first step

As soon as you realise that a suspicious bank activity is taking place or that you have been a victim of a UPI scam- collect evidence. Take screenshots of the transaction, note the transaction ID, beneficiary’s bank account details, phone number of the fraudster, etc.

This is vital information and may help you get your money back.

Secondly, change all your passwords & PINs related to your bank account or mobile wallet.

Must Read: A practical guide on how to complain to SBI

How to file a UPI fraud complaint?

A UPI fraud takes seconds. A person can lose lakhs in a moment.

As soon as you come to know of the unauthorised transaction, this is where you can complain about the UPI fraud-

Complain to your bank:

  1. Immediately inform your bank of the unauthorised transaction. This is your first step towards redressal. The sooner you inform, the safer your money will be. Call on the bank’s toll-free helpline and explain the matter in detail. 
  2. Alternatively, you can send an email to your bank or visit your bank’s home branch to alert them of the fraud. This can be a rather time-consuming process. So try calling your bank first.
  3. Submit a request to block your bank account. They will verify your identity by asking some personal details before finally blocking your account. It’ll stop future UPI transactions. You’ll be able to access your bank account after you change the passwords or issuance of new details.

Complain to the payment platform:

  • If you are using a payment platform like PhonePe, Google Pay, PayTM, etc- call on the toll-free number to submit your complaint.
  • The platform will be able to share some details related to the fraudster which may help you identify them.
  • Some platforms also offer an in-built complaint feature where you can easily raise a dispute against a transaction.

The bank and the UPI company should be able to resolve your complaint within 10 days.

Complain to the Cyber Crime Police:

  • Head to your nearest Cyber Cell and alert them about the UPI fraud. Submit a written complaint and mention all the details of the unauthorised transaction.
  • You can also file an FIR at your local police station in case you are not aware of the location of the Cyber Cell of your area. They will forward your complaint to the right authority.

Complain to NPCI:

The National Payments Corporation of India (NPCI) entertains issues pertaining to fraudulent unauthorised transactions and UPI fraud complaint. Provide all the details clearly to NPCI in order to submit a complaint.

Complain to the Digital Payments Ombudsman:

The Reserve Bank of India (RBI) has launched an Ombudsman scheme which specifically deals with digital transaction issues. You can send your complaint in writing with the ombudsman for Digital Payments. A form is also available on RBI’s website which you may use to file a UPI fraud complaint.

Be extremely cautious while transacting on app-based money wallets. You must always verify the identity of the other party before initiating a payment or sharing your details. Also, never delay in reporting such an occurrence- quick action can help your case by leaps and bounds.

Stay Alert!

Start your UPI Fraud complaint now,

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