UPI Fraud Complaint Format

To,
1. The Branch Manager, [Bank Name], [Branch Name] Branch, [City]
2. The Grievance Redressal Officer, [UPI App / PSP Name]
3. The Station House Officer, Cyber Crime Police Station, [City]

Date: [DD/MM/YYYY]

Subject: Complaint of fraudulent UPI transaction of Rs. [Amount] on [DD/MM/YYYY] – UPI Transaction ID [XXXXXXXXXXXX] – Request for reversal, account freeze and investigation

Respected Sir / Madam,

I, [Your Full Name], son/daughter/wife of [Father's or Husband's Name], aged
[Age] years, residing at [Your Complete Address], state as follows.

1. I hold Account No. [XXXXXXXXXX] with [Bank Name], [Branch Name] branch, linked
   to UPI ID [yourid@bank] and registered mobile number [+91 XXXXXXXXXX].

2. On [DD/MM/YYYY] at approximately [HH:MM], a sum of Rs. [Amount] was
   fraudulently debited from my account through UPI in the following
   circumstances:

   [Describe exactly what happened, without speculation. For example: "I received
   a call from [+91 XXXXXXXXXX] from a person claiming to be a [bank official /
   customer support executive / buyer on a classifieds platform]. He asked me to
   [scan a QR code / approve a 'collect' request / install [app name] / share an
   OTP], representing that this was required to [receive a refund / verify my
   KYC / receive payment]. Relying on that representation, I [action taken], and
   Rs. [Amount] was debited without my knowledge of its true nature."]

3. FRAUDULENT TRANSACTION DETAILS:
   • Date and time        : [DD/MM/YYYY], [HH:MM]
   • Amount               : Rs. [Amount]
   • UPI Transaction ID   : [XXXXXXXXXXXX]
   • UTR / RRN            : [XXXXXXXXXXXX]
   • Beneficiary VPA      : [fraudsterid@bank]
   • Beneficiary name shown: [Name as displayed]
   • Fraudster's phone    : [+91 XXXXXXXXXX]

4. I reported the fraud within [NN] hours of it occurring:
   (a) Call to the bank's helpline on [DD/MM/YYYY] at [HH:MM] — Ref. No. [XXXX].
   (b) Report on the National Cyber Crime Reporting Portal, cybercrime.gov.in, on
       [DD/MM/YYYY] — Acknowledgement No. [XXXX].
   (c) Call to the cyber-fraud helpline 1930 on [DD/MM/YYYY] at [HH:MM].
   (d) Written complaint to the UPI app on [DD/MM/YYYY] — Ticket No. [XXXX].

5. Under the RBI framework on limiting the liability of customers in unauthorised
   electronic banking transactions, where the loss arises from a third-party
   breach and the customer notifies the bank within the prescribed period, the
   customer's liability is nil or limited, and the bank is required to credit the
   disputed amount to the customer's account within 10 working days of
   notification, pending the outcome of its investigation.
   [RBI circular on customer protection, rbi.org.in.]

6. PRAYER — I therefore request that:
   (a) The beneficiary account / VPA [fraudsterid@bank] be immediately flagged and
       the funds put on hold to the extent available.
   (b) Rs. [Amount] be credited (shadow reversal) to my Account No. [XXXXXXXXXX]
       within 10 working days of my notification dated [DD/MM/YYYY].
   (c) The beneficiary bank be approached for recall of the funds.
   (d) An FIR be registered and the matter investigated under the applicable
       provisions of the Bharatiya Nyaya Sanhita, 2023 and the Information
       Technology Act, 2000.
   (e) A written report of the action taken be furnished to me.

ENCLOSURES:
1. Bank statement showing the fraudulent debit (highlighted)
2. Screenshot of the UPI transaction and the collect request / QR code
3. SMS alerts received at the time of the transaction
4. Call log / screenshot of communication with the fraudster
5. Acknowledgement from cybercrime.gov.in, Ref. No. [XXXX]
6. Copy of Aadhaar and PAN

Yours faithfully,

[Signature]
[Your Full Name]
Account No. [XXXXXXXXXX]
Mobile: [+91 XXXXXXXXXX]
Email: [your@email.com]
Place: [City]