What to do after online scam
Immediate steps after online scam or UPI fraud: bank reporting, cyber complaint, evidence preservation, and follow-up.
After an online scam, speed and evidence matter. Your first goal is to report quickly, freeze possible movement of money, and preserve proof.
Step-by-step
- 1Call your bank or payment app and report the transaction immediately.
- 2File a complaint on the National Cyber Crime Reporting Portal.
- 3Save screenshots, phone numbers, UPI IDs, links, emails, and transaction IDs.
- 4Do not continue talking to the scammer or pay more money for recovery promises.
- 5Follow up with your bank, cyber complaint acknowledgement, and local cyber cell if needed.
Do not trust recovery agents
Scammers often contact victims again pretending they can recover money for a fee. Avoid sharing OTPs, passwords, or more money.
Bank complaint number matters
Ask your bank for a complaint or reference number. Keep all communication in writing where possible.
Report fake accounts
If the scam used social media, marketplace apps, or messaging platforms, report those accounts inside the platform too.
Frequently asked questions
Can online scam money be recovered?
Recovery depends on speed of reporting, fund movement, bank response, and investigation. Report immediately.
Should I file both bank complaint and cyber complaint?
Yes. Report to your bank/payment app and the cyber crime portal as soon as possible.
What evidence is most important?
Transaction IDs, account or UPI details, phone numbers, screenshots, URLs, emails, and chat history.