Cheating in online fraud, use hands and feet a lot, these people did not get money back, here are the instructions of RBI

A junior resident doctor working in a major hospital in Delhi received a call to increase his credit card limit. They talked and suddenly there was a transaction of Rs 2 lakh and the limit was not increased. Two days passed in tension, on the third day a complaint was lodged with the police. Then he also went to the bank. I searched a lot, searched but didn’t get the money back.

While this doctor’s close friend got a call and 50 thousand rupees was stolen from his account. He complained to both the bank and the police the same day. Within a few days, he got all his money back.

Now the question arises why this happened? Both got scammed online, then one got the full amount, the other didn’t, why? Today we are going to give you a detailed answer to this question.

Also read this

A call will come from the police number on WhatsApp! You will get threats and insults, if you are afraid, you will become poor.

Nowadays, as online frauds are on the rise, Reserve Bank of India is making strict security rules and issuing circulars from time to time to save the money of the customers. If a fraud happens to you, you can get money, but it is very important for you to be aware of these RBI conditions.

When will you get your money back?

According to RBI, if the fraud occurs through any lack of information, lack of banking or any other means, be it through phone, net banking, debit card, credit card or online payment gateway, So a complaint can be filed. You can get money later. In addition, if funds are lost from the account due to a third-party breach in the system, which is neither the bank’s nor the customer’s fault, the funds are also refunded.

But this is a condition..
However, RBI has clearly stated in its guidelines that if any fraud occurs, the bank has to be informed in writing within 3 days of the incident. If the customer informs the bank within 4 to 7 days, there is still some chance that the money can be recovered, but there are limits to this as well. Thereafter, disclosure of information shall be subject to Bank Board policy.

What do experts say, how to give information?
However, Delhi Police cyber expert Kisle Chaudhary says that although these are RBI guidelines, sometimes banks are reluctant to follow them and after a certain period, the customer does not get his money back. Is.

Just notifying the bank after an online fraud is not enough, advises Chaudhary. It is also important to know the complete process if you want your money back then you should do these 3 things.

In case of online fraud, first file a written fraud complaint at the nearest police station on the same day. If FIR is filed then ok, if not file complaint and receive.

Try going to your bank for a police receipt on the same day of the fraud or the next day. Write the fraud complaint there and submit it by attaching the police receipt.

the third important step is to send the soft copy of both the copies to the RBI email id. crpc@rbi.org.in But, enter your bank email ID in CC and send it immediately. The sooner you do this, the better your chances of getting your money back. This must be done within 3 days.

How many days does it take to receive the money?
Kisle says that once the information reaches the RBI, the banks do their work properly, not only that, if there is a complaint with the police, a complete formality is done by the customer. Then you won’t need to run anywhere. You will get your money back within 3 to 21 days.

Who does not return the money?
Kisle says that those who report to the bank and the police after a maximum of 7 days or give one of them, do not get their money back.
if one lost money in bitcoin, online currency, online games or betting etc. then that money is not refundable.
if one has done the transaction knowingly and is negligent even after informing the bank, the money is not refunded.

Tags: Cyber ​​Crime, Cyber ​​fraud, Cyber ​​Police, Cyber ​​thugs, Delhi Cyber ​​Fraud