Digital Fraudsters: Where to report against these fraudsters?

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Business Mantra News

Many customers having cash in banks have been targeted by the thieves who are stealing their money by gathering personal/secret details regarding the operation of their bank accounts/credit/debit card. Despite repeated warnings and SMS of banks to their customers for not sharing/disclosing their confidential like PIN no. ATM and One Time Password to the unknown call makers, the customer are still trapped by these fraudsters and are losing their hard earned money. State Bank of India and other Financial Institutions are spreading education towards these fraudsters by sending E-mails and Messages to their customers. Customers are being advised to be alert against any fraud, phishing or voice phishing.

Here are some usual ways which fraudsters adopt to cheat a customer:

The scammers gather all information mainly from Internet by sending spam messages of winning a lottery or other fascinating offers and will ask for sharing of personal account details to claim these prizes. Secondly, they used to make calls to their customers over phones by pretending themselves to be the executive/agent/employee of their bank and ask for Aadhar no. and other account detail of customers. Sometimes fraud may be committed by swapping a real card with the fake cards and getting pin no. of your ATM cards. They gathered information of your personal profile from one’s profile on any social sites.

Where to file complaints against online frauds and thefts?

On receiving a phone call or e-mails which offers fictitious rewards, lottery winning and many more fascinating sops, one should immediately report that no. to the local police and cyber cell.

Besides, the Reserve bank of India has also provides list of nodal agencies on its websites with whom the public can register its complaints regarding these fictitious calls and emails.

Despite of this facility, the Govt. must make special cells in banks or design special websites where one can immediately file online reports/complaints of these fake calls & emails so that fraudsters could be trace and deter to commit any further frauds.  After commission of fraud one may follow these steps:

  • Firstly to inform the concerned bank about the fraud.
  • A writing complaint should be given to the concerned IT cell or cyber cell of your area.
  • A written complaint should be given to the bank and if the bank failed to take recourse within 30 days then moves to ombudsman and one may file an appeal before the deputy Governor of RBI regarding the digital fraud.

The Reserve bank of India has issued rules and regulations for customer security and e-wallets are being regulated by RBI by Master Circulation which provides defensive measures to e-wallet customers.

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