Scam Ho Gaya? Fraud First-Aid — Pehle 24 Ghante Mein Kya Karein

⏱️ Pehla 1 ghanta (sabse important)

1. 📞 1930 par call karo — abhi

National Cyber Crime Helpline. Transaction ID, amount, time, scammer ka number/UPI ID ready rakho. Ye call bank network mein aapki complaint flag karti hai jisse aage ke accounts freeze ho sakte hain. Line busy ho toh baar-baar try karo + saath mein step 2-3 karte raho.

2. 🏦 Apne bank ko turant inform karo

Bank ke official helpline par (card ke peeche/official app mein number hai). Card/UPI block karwao, transaction dispute register karwao aur complaint number likho. RBI rule: unauthorized transaction 3 din ke andar report karne par aapki liability zero ho sakti hai.

3. 🌐 cybercrime.gov.in par written complaint

"Report Financial Fraud" section — 1930 wali complaint ka written record. Acknowledgement number save karo; aage bank/police sab jagah yehi kaam aayega.

📸 Evidence — kuch bhi delete mat karo

✔️ Sabhi chats/messages ke screenshots (number visible ho)
✔️ Call recording ho toh export karke 2 jagah save karo
✔️ Transaction SMS, UPI reference no., bank statement PDF
✔️ Scammer ka number, UPI ID, account no., link/website URL
✔️ APK install kiya tha toh app ka naam note karo (delete karne se pehle screenshot)
❌ Sharm ya gusse mein chat delete karna = apna hi case kamzor karna

🔐 Phone/account secure karo (usi din)

1. APK/screen-share app install kiya tha? → Internet band karo → app uninstall → phone restart → doosre device se saare passwords badlo
2. Banking, email, WhatsApp — sab par naye strong passwords + 2FA on
3. WhatsApp hack hua? → WhatsApp reinstall karke apne number se login karo (OTP se account wapas milta hai) + Two-Step Verification on
4. sancharsaathi.gov.in (TAFCOP) par check karo — aapke naam par koi anjaan SIM toh nahin
5. Scammer ka number Chakshu portal par report + block karo

📋 Scam-type ke hisaab se extra steps

💰 Investment/Trading scam

1930 + SEBI SCORES (scores.sebi.gov.in) par bhi complaint. Platform ke saare deposit proofs collect karo.

🔞 Sextortion/Blackmail

Paise bilkul mat do — dena maangein badhata hai. Block mat karo jab tak screenshots na le lo. cybercrime.gov.in par anonymous report ka option bhi hai. Ye aapki galti nahin hai.

🏦 Bank/card fraud

Bank complaint ka written acknowledgement lo. 30 din mein resolve na ho toh RBI Ombudsman: cms.rbi.org.in (free hai).

🆔 Identity misuse (Aadhaar/PAN)

mAadhaar se biometric lock + uidai.gov.in par Aadhaar auth history check. PAN misuse: income tax portal par grievance.

👮 Bada amount / dhamki mili hai

Online complaint ke saath nazdeeki police station/cyber cell mein written FIR bhi karwao — bade amounts mein FIR recovery process ko tez karti hai.

💚 Aakhri baat — sharm mat karna. Scam hona aapki bewakoofi nahin, scammer ka full-time dhandha hai jo psychology par chalta hai. Isne IPS officers, doctors aur professors ko bhi nahin chhoda. Report karna hi bahaduri hai — aur aapki report agle victim ko bacha sakti hai. Parivaar ko batao, akele mat jhelo.

Ye guide general awareness ke liye hai, legal advice nahin. BCCO ek independent NGO hai — hum FIR register nahin karte; upar diye sabhi steps official Government channels par hote hain.

Scam ho gaya? Ghabraiye mat — agle 24 ghante sab badal sakte hain