Filing a complaint for Online Bank Fraud

Last updated on Jun 7, 2022

Police Station

When you go to the police station to complain about online bank fraud, they will ask you to file an FIR. You should make sure you give all the information you know about the online fraud that happened to you.

Online Complaint

Besides filing an FIR with the cyber crime cell of a police station, you can also file an online complaint on the Ministry of Home Affairs’ Online Crime Reporting Portal. Register a complaint by providing detailed information about the incident. You can also choose to upload files, like screenshots of the e-mails or messages you received regarding fraudulent transactions.

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Mohd Jafor ali mollah

August 13, 2022

Dear Sir,

Advocate Mr Shameem Ur Rahmaan whose visiting card is enclosed, promise me to file on case in Delhi High Court and I have give on 05 Aug 2022 Rs. 10000 as below bank details.
He has taken money through Bank account Transfer for filing my case in Delhi high court, but he has not done it and now not refund my money and not picking up my phnoe. Online line money transfer to his collegue account no. 34416866374 IFCI code : SBIN0004457, Name Aaftaab Khan.

Their phone numbers are: 9650628080 and 9717387076.

Please do the needful as soon as possible.

Mohd Jafor Ali Mollah
Mob no 8779548144
Show quoted text


August 18, 2022

You may refer to our explainer Complaining against an advocate to file a complaint.


August 14, 2022

Recently my Credit card was scammed for Rs 20000
on 9th April 2022. After a lot of thought I think I can trace out the Criminals.But the police station where I have given three written complaints and filed FIR have not given me proper cooperation.The result is the hackers are after me again.I do not want to let these criminals go Scot free.


August 22, 2022

A fraudulent card transaction is an unauthorized transaction that is carried out with your credit card. The thief either physically steals your credit card, or steals your card information via phishing or credit card skimming and uses it to make payments, or withdraw cash.
In such matters, the complainant alleges that some unknown person had withdrawn money/ made transactions through his/her credit/debit cards through online purchasing. In most of these cases purchasing is done by using the following crucial information of the credit/debit card :

1. The 16 Digit Credit/Debit Card Number
2. The validity of the Credit/Debit card
3. The 3-digit confidential Card Verification Value (CW) or the One-Time-Password (OTP) sent on the registered mobile number of the Debit Card holder.

While it may be that the Card Number and the validity of the card is made available to the fraudsters through insider in the bank, the OTP is procured by them by deceiving the account holder to share the OTP on the pretext that it is required for account verification, etc.
1. Collect Bank statements for the last six months from the concerned bank.
2. Make a copy of SMSs received related to the alleged transactions.
3. Take a copy of your ID proof and address proof as shown in the bank records.
4. Lodge a complaint in your nearest Police Station explaining the complete incidence along with the above documents.

If a particular police station is not cooperating;

Approach the Superintendent of Police (SP) – You should make a complaint in writing, and send it to the SP of your district, by post. The SP will consider your complaint, and if he feels that your complaint reports a cognizable offence, he will direct the police to investigate your case or investigate it himself.

Approach the Metropolitan/Judicial Magistrate – With the help of a lawyer, you can make a “private complaint” in writing to the Metropolitan/Judicial Magistrate. The Magistrate will look into the complaint and may order the police to take necessary action. You should take this step only after approaching the police.

Go to Another Police Station – The law has provided the facility for Zero FIR, where you may go to any police station, close to you, and file an FIR. The police have to file your complaint, and then transfer it to the police station in whose jurisdiction the offence was committed.

Approach Other Forums – You can approach the National/State Human Rights Commission or National/State Women’s Commission to file a complaint. These forums have the power to investigate the case, and assist you in filing a complaint to the police.

File a Writ Petition in the High Court – With the help of a lawyer, you may also file a writ petition in the High Court of your state if the police officer refuses to take action or file your complaint. This will oblige the police officer(s) to show cause or reasons for not filing your complaint.

Informal Remedies – In addition to the remedies covered, you can also take the help of a lawyer or a friend or a relative, to file a complaint on your behalf.

Navaaz Cooper

August 31, 2022

Can i file an online complaint for a tutor from Urban Pro who has duped me of Rs 30,000 and not provided the service. The tutor has also harassed me at unusual times by texting me and sending me unnecessary emails. After providing me around 6 lectures he is telling me my account is in deficit. He also alleged me that i am mental without even knowing who I am. This person claims to be a chartered accountant as well and a fraud person cannot practice as a chartered accountant. It is illegal.


September 1, 2022

Yes, you can.


September 4, 2022

Recently, I got a message on whatsapp for part time work and it redirected to a link I.e, Asked me to register in the link and I have created an ID in it, later on they assigned a series of tasks and after completion of these tasks they mentioned I can withdraw my amount, in between i can’t withdraw my amount, which includes adding of money to my ID and placing some order based on the order, I will get commission, I have added money around 5 lakhs and completed the tasks, now they are refusing to withdraw my money and asking to add another 3 lakhs. I have reported the issue to bank, they asking me to file an FIR. Can police file FIR on this?


September 5, 2022

Yes, the police can file an FIR. You can use the procedure mentioned here to file the FIR.


September 4, 2022

Dear Sir
my account of bob valsad gujrat sarigam branch my amt 10000 mobile scammed & 10000 loss then i am
complain submit on 24-6-22 online or offline but till time no any refund


September 5, 2022

You should follow-up with the complaint.

Pahadsinh Rana

September 14, 2022

One IMPS fraud of Rs.5000/- initiated in my BOB bank account, I have immediately file a complain to BOB branch, BOB booked my complain but after 5 days bank manager mailed me and asked me to submit FIR copy for IMPS fraud initiated.

So for Rs.5000/- IMPS fraud required to file FIR by customer. Please guide me.


September 21, 2022

The moment you come to know that a suspicious transaction has been done on your credit/debit card, inform the card issuer immediately. One should lodge a formal complaint with the bank and ideally call up the customer care number to block the card or the account immediately.

If a fraud relates to net banking, ATM transactions, or any other online transaction you have to raise a complaint.
Once the card issuer or the bank has been informed about the fraudulent transaction, one should file a written compliant with the nearest police station. An FIR has to be filed in the local police station only. In case police refuses to file an FIR, the court can be approached under section 156(3) of the Cr PC.
If the police ask you to go to the Cyber Cell to file the complaint? You do not need to approach the cyber cell. You can file an FIR in the local police station itself. The cases are forwarded by the police stations to the Cyber Cell.

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Related Resources

Banks’ responsibility to prevent Online Bank Fraud

Banks must ask their customers to mandatorily register for SMS and email alerts for electronic banking transactions.

Lodging a complaint with the Bank

The Code of Bank’s Commitment to Customers (CBCC) enacted by the Banking Codes and Standards Board of India (BCSBI) lays down the rules.

Filing a complaint with the Banking Ombudsman

If solution provided by the bank is unsaisfactory and would like to further enquire the matter, you can approach the Banking Ombudsman

Customer Liability

There will be no customer liability for unauthorized transactions. However, negligence by the customer can attract customer liability.

Customer’s Right to be Protected from Online Bank Fraud

Customer's have the right to be protected from online bank fraud to receive SMS notification of all electronic banking transactions.

Maximum Customer Liability and Bank Policy

If the delay is for more than seven working days, the customer liability will be determined as per the Bank’s Board Policy