Cyber Scam: Lakhs of crores of rupees disappear from the account as soon as the call is picked up! Has this happened to you or someone you know? If money is deducted from your bank account without consent then it is a cyber crime. Such cases of cyber fraud are coming to light every day from different parts of the country. In which someone or the other is suffering huge loss. The National Cyber Crime Reporting Portal can help you in preventing losses in such cases of fraud and cyber fraud. To foil the designs of cyber fraudsters, I4C i.e. Indian Cyber Crime Coordination Center of the Union Home Ministry has launched this portal. Let us know how this portal works in protecting people from scams and cyber crimes.
Do these things immediately if you become a victim of cyber fraud
If you receive a call or WhatsApp video call from an unknown number on your phone and on receiving it, money is deducted from your bank account, then immediately inform about it by calling the helpline number 1930. Or lodge your complaint on the National Cyber Crime Reporting Portal with bank transaction details and other important information. After receiving the complaint, Citizen Financial Cyber Fraud Reporting and Management System will look after the matter till it is resolved. How this system works, read the details here.
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CFCFRMS: How Cyber Fraud Management System works
Citizen Financial Cyber Fraud Reporting and Management System works to deal with serious cases like financial fraud and prevent cyber fraud. Understand the step by step process here.
- In case of being a victim of cyber fraud, the victim should call the national helpline number 1930. According to the official website of I4C, this helpline number 1930 is operated by the respective state police.
- The police operator notes your fraudulent transactions and personal information and enters it as a ticket in the Citizen Financial Cyber Fraud Reporting and Management System. This ticket is sent to the respective banks, wallets and merchants, so that it can be seen to which bank or wallet the money has gone.
- A message (SMS) is also sent to you. The message contains your complaint number. You are also asked to enter complete information on the National Cyber Crime Reporting Portal (https://cybercrime.gov.in). Apart from this, the nodal officer of the bank or financial institution is also informed about this complaint.
- The concerned bank sees this ticket on their dashboard and if the fraudulently withdrawn money is still with them, they put it on hold. If the money has gone to another bank, the ticket is sent to that bank.
- This process will continue until the money is kept from reaching the hands of fraudsters. Information about the steps taken by the concerned bank or financial institution is also given to the state police.
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RBI’s advice to avoid fraud
The Reserve Bank of India advises people to remain alert and updated. RBI says that if money is deducted from your bank account without your consent, then immediately inform your bank about it. While doing this, do not forget to take proof of complaint from your bank. According to RBI, in such cases the bank will have to resolve your complaint within 90 days.
If the transaction is due to your negligence, such as you have shared your password, PIN, OTP, etc., you will have to bear the loss unless you inform the same to your bank. If the fraud continues even after you inform the bank, your bank will compensate that loss. If you delay in giving information or complaining to the bank, your loss may increase and this will be decided on the basis of RBI guidelines and your bank’s policy.
NCRP: Features of National Cyber Crime Reporting Portal
Here you can see the highlights of how the NCRP portal helps people report and prevent cyber crimes.
- Any type of cyber crime can be reported on this portal from any place.
- Special attention has been paid to reporting online child sexual exploitation material and incidents of rape/gang rape.
- Monitoring dashboards are available at national, state and district level.
- Complainants can track the status of their complaint online.
- There are registered cyber volunteers to increase cyber awareness.
- There is an automated chatbot on NCRP. It is also called Vani-CyberDost Chatbot. It has many predefined features.
- To crack down on cyber cases, a special module Citizen Financial Cyber Fraud Reporting and Management System has been developed. This module is approximatelyConnects 85 banks, payment intermediaries and wallets to cyber crime baked portals. Apart from this, this portal helps people to report financial fraud on the national helpline number 1930.
- 1930 helpline number is working in all the states and union territories of the country.
