Cyber Crime Advocate in Kolkata for UPI Fraud: Complete Guide to Safety, Action, and Legal Remedies
UPI has become one of the fastest and easiest payment methods in India, especially in a metro city like Kolkata. From small shops to big businesses, everyone relies on apps like Google Pay, PhonePe, and Paytm. But with increasing digital convenience, UPI frauds in Kolkata have also grown rapidly. Many residents of Salt Lake, Howrah, Behala, New Town, Rajarhat, Tollygunge, and Central Kolkata face sudden unauthorized deductions or fall victim to scam calls.
This blog explains how UPI frauds happen, how a cyber crime advocate in Kolkata helps victims, safety tips from Advocate Deepak, how to report fraud, how to unfreeze bank accounts, and how to protect yourself from digital arrest scams.
Understanding UPI Fraud in Kolkata
UPI fraud typically occurs when scammers trick victims into:
• Clicking phishing links
• Scanning QR codes that pull money
• Responding to fake customer support calls
• Sharing OTP or UPI PIN unknowingly
• Installing screen-sharing apps
• Falling for cashback, refund, or KYC update messages
Fraudsters often pretend to be from the bank, courier service, e-commerce platform, or government department, which makes the scam look genuine.
Common UPI fraud tricks seen in Kolkata:
• Fake buyer scam on OLX, Facebook, or WhatsApp
• Refund scam from restaurants and food delivery
• Fake QR codes for receiving payments
• KYC update scam from unknown numbers
• Fraud loan apps demanding money
• Digital arrest threats leading to forced transfers
• Fake trading and investment groups operating in Kolkata
Why UPI Fraud Is Increasing
UPI is instant and irreversible, which gives scammers an advantage. People in Kolkata use digital payments daily, but many are unaware of how scammers manipulate small mistakes.
Major reasons for rising UPI frauds:
• High dependency on mobile payments
• Lack of awareness about cyber traps
• Fake customer care numbers circulating online
• Social engineering by experienced cyber gangs
• People sharing banking details out of trust or fear
• Increase in phishing messages and cloned websites
How a Cyber Crime Advocate Helps Victims in Kolkata
A cyber crime advocate in Kolkata plays an important role when someone becomes a victim of UPI fraud. Many cases fail because the complaint is incomplete, delayed, or not properly drafted.
A cyber advocate assists victims in:
• Drafting strong UPI fraud complaints
• Communicating with cyber police and banks
• Ensuring disputed funds are traced quickly
• Coordinating with the nodal officer of the payment app
• Preparing documents for bank unfreeze requests
• Handling notices, summons, or legal complications
• Guiding victims step-by-step until resolution
Their support increases the chances of fund recovery and ensures the case is not ignored or delayed.
Safety Tips Against UPI Fraud By Advocate Deepak, Cyber Crime Lawyer
Advocate Deepak shares essential precautions based on real fraud cases from across India.
Important safety guidelines:
• Never share UPI PIN, OTP, or password with anyone
• Do not scan QR codes sent by unknown people
• Never click refund or cashback links
• Avoid downloading AnyDesk, TeamViewer, or screen-sharing apps
• Always verify customer support numbers from official websites
• Do not respond to messages offering free gifts or rewards
• Disable UPI auto-pay if not needed
• Keep banking apps and phone software updated
• Use strong and unique passwords for financial apps
• Immediately lock your UPI app if the phone is lost
• Regularly check SMS alerts for unauthorized transactions
Awareness reduces risk better than any tool.
Why Bank Accounts Get Frozen or Put on Lien After UPI Fraud
Many victims in Kolkata get shocked when their bank account suddenly gets frozen even though they did nothing wrong. This usually happens when:
• A fraudster used their account as a pass-through account
• Money from an online scam landed in their account
• Someone filed a cyber complaint linked to the account
• Suspicious or large transfers triggered red flags
Banks freeze accounts to secure the disputed amount until the investigation is completed.
What to Do if Your Bank Account Is Frozen, Lien Marked, or Put on Hold
If your bank account is frozen because of a UPI fraud case, take immediate steps.
Recommended actions:
• Contact your branch and ask for the reason for the freeze
• Request the cyber complaint or FIR number linked to the freeze
• File your own explanation or counter-complaint
• Submit evidence proving your innocence
• Ask for partial unfreeze if needed for livelihood
• Contact a cyber crime advocate to prepare correct documentation
Proper communication with the bank and investigating officer is extremely important.
How to Remove Lien, Freeze, or Hold from Bank Account
A bank releases the account only when they receive:
• A NOC from the investigating authority
• A written order from the cyber police
• A court order directing the bank to unfreeze
• A clarification that the account is not involved in fraud
A cyber advocate helps prepare all required documents professionally so that delays are avoided.
How to Take a NOC to Unfreeze Your Bank Account
A NOC (No Objection Certificate) is issued by the cyber police or investigating officer after verifying that:
• You are not involved in the fraud
• Your account was mistakenly frozen
• You have cooperated with the investigation
Well-drafted applications, evidence, and legal communication increase the chances of NOC approval.
How to Take a Court Order to Remove Lien or Freeze
If the investigating officer refuses to issue a NOC or the case is stuck, you can approach the court.
A cyber advocate helps file:
• Petition for unfreezing
• Supporting affidavit
• Evidence documents
• Legal representation in court
Courts usually allow unfreeze when the person is innocent and investigation is complete or delayed without reason.
How to File a Complaint for UPI Fraud
You can report UPI fraud immediately through:
• cybercrime.gov.in
• Helpline 1930
• Local Cyber Police Station in Kolkata
• Your bank branch and UPI app nodal officer
Timely reporting increases the chances of freezing the scammer’s account before the money moves.
How to Recover Money Lost in UPI Fraud
Recovery depends on how quickly the complaint is filed. A cyber advocate helps in:
• Notifying the bank and payment gateway
• Submitting recovery requests
• Pushing the complaint with cyber police
• Representing you in escalation proceedings
• Filing court petitions for refund when necessary
Quick action improves recovery success.
Understanding Digital Arrest and How to Stay Safe
Digital arrest is a new scam where criminals pretend to be from cyber cell, CBI, or police and accuse the victim of a crime. The goal is to scare people into transferring money.
How to stay safe:
• No Indian agency arrests anyone over a video call
• No officer demands payment through UPI
• Government officers do not verify KYC over WhatsApp
• Immediately disconnect the call
• Contact your local cyber police station for verification
Digital arrest is a pure scam, and awareness is the strongest protection.
How to Recover Digital Arrest Scam Money
If you transferred money due to digital arrest pressure:
• Report immediately on 1930
• File a detailed cyber complaint
• Inform your bank
• Collect call recordings, screenshots, and payment receipts
• Approach a cyber advocate to file recovery requests
Earlier the action, better the chance of tracking funds.
Disclaimer
This blog is for educational and awareness purposes only. It is not legal advice or advertisement. If you face any cybercrime, call 1930 or report at www.cybercrime.gov.in immediately.