Plain-language help for ordinary people. General information, not legal advice. Helplines, portals and screen names were checked against official Government and regulator pages on 1 November 2026. Portals change: if a screen looks different, follow the words on the screen and the official guide linked in each step.
You searched for a helpline and called the number shown. Either it was a scammer, or it was a real support agent who later used your details outside the support process.
Safety first. Threatened or in danger: call 181 (women) or go to the nearest police station. Lost money: call 1930 at once.
Your rights
- Right to ask the company what it holds and who it shared it with. Companies already name a grievance officer under the 2011 SPDI Rules.
- Right to compensation if a company is careless with sensitive data (passwords, bank or card details, health records, biometrics and similar). IT Act section 43A, with the 2011 SPDI Rules, until 13 May 2027.
- Right to compensation for deficiency in service. Under the Consumer Protection Act, 2019 you can claim compensation before a Consumer Commission. File within 2 years.
- Right to police help. The police must take your complaint about threats, stalking or harassment. You can also report online at cybercrime.gov.in.
- DPDP rights from 13 May 2027. You can ask what data the company holds and who it shared it with (section 11), ask for correction or erasure (section 12), and complain to the company, then to the Data Protection Board (sections 13 and 27). The company answers for its processors (section 8(1)).
How to fight it, step by step
One action per step. Each step says what to write, what to attach, what you get back, and how long to wait before the next step. If the person turns out to be fake, skip to If it is fake.
- Save the evidence before you block or delete anything.
What to write: A short note with the date, time, number used, and exactly what was said or what details they knew.
What to attach: Screenshots of the call log, SMS, WhatsApp chats (with the number visible), and any payment screen.
What you get back: A record that cannot later be denied.
How long to wait: Do this the same day. - Write to the company's grievance officer.
What to write: Letter 2 below.
What to attach: Evidence.
What you get back: An acknowledgement.
How long to wait: 30 days. - Send one written follow up to the grievance officer.
What to write: Your complaint number, the date you complained, and: "I have had no reply (or an incomplete reply). Please reply in writing within 7 days, or I will escalate to the National Consumer Helpline."
What to attach: Your first complaint and its acknowledgement.
What you get back: Proof that you gave the company a fair chance. Regulators and Commissions ask for this.
How long to wait: 7 days, then go to the next step. - File a police complaint, or ask for an FIR.
What to write: A signed complaint to the officer in charge of your local police station, or online at cybercrime.gov.in. Say what happened, when, the numbers used, and that someone used your data to cheat or threaten you.
What to attach: Printouts of your screenshots and a copy on a pen drive. Your ID proof.
What you get back: An FIR copy, or at least a written acknowledgement of your complaint. Online, you get an acknowledgement number.
How long to wait: Do this at once if you feel unsafe. Do not wait for the company. - Call the National Consumer Helpline on 1915, or file on consumerhelpline.gov.in.
What to write: The company's name, your complaint number with it, what went wrong, and what you want (for example: action against the person, written confirmation, compensation).
What to attach: Your complaint, the company's replies, and screenshots.
What you get back: A docket number. The helpline takes your complaint up with the company. It is free and comes before a court case.
How long to wait: Give it a few weeks. If nothing changes, go to the Consumer Commission. - File a consumer case for deficiency in service on e-Jagriti.
What to write: Who you are, the company, what service you used, what went wrong, the loss and distress caused, and the compensation you claim.
What to attach: Everything above: evidence, letters, replies, helpline docket.
What you get back: A case number and hearing dates. You can argue the case yourself. The District Commission hears cases where the value of what you paid is up to Rs 50 lakh, the State Commission up to Rs 2 crore, and the National Commission above that (2021 Rules).
How long to wait: File within 2 years of the problem. - Get a lawyer if the stakes are high.
What to write: Nothing yet. Take your full file to the lawyer.
What to attach: All of the above.
What you get back: Advice on a legal notice, a claim before your State's IT Adjudicating Officer, or a civil suit for damages.
How long to wait: Before you send any legal notice or file a suit. This page is not legal advice.
What people tried and what worked
- People called their bank and filed cyber complaints; losses were common, and speed of reporting mattered most.
Based on reports on public forums, and the news reports listed below. Paraphrased, with no usernames or personal details. What worked for one person may not work for you; the numbered steps above are the official route.
News reports
- A journalist lost money in a travel refund scam over two days. (deccanchronicle.com)
Not legal advice. This page explains the rules in plain words so you can act. Consult a lawyer before you sue anyone or send a legal notice. Laws and portals change; check the linked official source.
Step 1: stay safe and find out who it is
- Get support numbers only from the official app or website.
- Ask the company whether the agent's name and ticket match its records.
If it is genuine: hold the company accountable
Which rules this may break
- SPDI Rules, 2011 and IT Act section 43A for sensitive data.
- IT Act section 72A for disclosure in breach of contract.
- Consumer Protection Act, 2019 for deficiency in service.
What the company must do, and by when
- Answer your written request.
- Stop the misuse.
- From 13 May 2027: tell you who received your data (section 11) and report breaches (section 8(6)).
Letter 1: ask them to confirm who the caller is
Send it through the official channel. Keep a copy and the acknowledgement.
To: The Grievance Officer, [Company name] Subject: Please confirm whether this person works for you Dear Sir or Madam, I am your customer. My customer or account ID: [number]. On [date] at [time] I received a call or message from [phone number]. This is not an official number. The person said they were [name], [role or employee ID], from the company. They knew my [list the details they knew]. Please confirm in writing within 7 days: 1. Whether this person is your employee, agent, vendor, agent or partner. 2. If yes, their name, role and the agency they work for. 3. Whether you allow staff or agents to contact customers from personal numbers. 4. If they are not connected with you, please say so, so I can report the number. Name: Registered mobile number: Date:
Letter 2: ask how your data got there
To: The Grievance Officer, [Company name] Subject: How did my personal data reach a personal phone? Complaint number [if any] Dear Sir or Madam, On [date] a person connected with you, [name if known], contacted me from a personal number [number] and knew my [details]. [Describe what they did.] Please tell me in writing: 1. What personal data about me this person could see, and through which system or app. 2. Whether you shared my data with any agency, vendor, agent, partner or processor, and their names. 3. How my data reached a personal phone or account outside your official systems. 4. What action you have taken against the person or agency, including suspension while you investigate. 5. What you have done to stop this happening again. Many companies already name a grievance officer for data matters under the IT Act's 2011 SPDI Rules. From 13 May 2027, sections 8 and 11 of the Digital Personal Data Protection Act, 2023 also apply. Please reply within 30 days. If I do not hear from you, I will escalate to the National Consumer Helpline and, from 13 May 2027, the Data Protection Board. Name: Registered mobile number: Date:
Evidence to keep
- The number you called and where you found it.
- Call log, any remote access apps installed, payments.
More in the evidence checklist.
Can you sue? What realistically happens
- Consumer Commission: the most practical route for compensation. Cheap, no lawyer needed, file within 2 years.
- IT Act section 43A (until 13 May 2027): if the company was negligent with sensitive personal data (passwords, bank or card details, health records, biometrics) and that caused wrongful loss or gain, it must pay compensation. Claims up to Rs 5 crore go to your State's IT Secretary acting as Adjudicating Officer (section 46); larger claims go to a court. Appeal within 45 days (section 57). Your phone number and address alone are not sensitive data under the 2011 Rules.
- Civil suit for damages: possible, but slow and costly. Section 61 of the IT Act bars civil courts from matters the Adjudicating Officer can decide.
- Police: only where there is a crime, for example a person who disclosed your information in breach of a contract to cause wrongful loss or gain (IT Act section 72A, up to 3 years), identity theft (66C), cheating by impersonation (66D), stalking or threats.
- Realistic outcome: most people get results from a firm written complaint and the regulator or ombudsman. Courts take years. Consult a lawyer before suing.
From 13 May 2027: the Data Protection Board
From 13 May 2027 the DPDP Act's duties apply. The company is responsible for processing done by it or by anyone processing on its behalf (section 8(1)), may use a processor only under a valid contract (section 8(2)), must protect your data with reasonable security safeguards (section 8(5)), and must tell you and the Board about a breach (section 8(6)). It may use your data only for the lawful purpose you agreed to (sections 4 to 6). Section 44(2) removes IT Act section 43A from that date. Complain to the company first; if it does not resolve it, complain to the Data Protection Board. The Board can impose penalties up to Rs 250 crore, but penalties go to the Government (the Consolidated Fund of India, section 34), not to you. For money, use the ombudsman or the Consumer Commission. Appeals from the Board go to TDSAT within 60 days (section 29).
If it is fake: urgent steps
- Uninstall any screen sharing app they asked for.
- Call your bank's official number and 1930 if money was lost.
- Report on Chakshu and cybercrime.gov.in.
Step by step guides:
Report money lost to fraud: call 1930
Report money lost to fraud: call 1930
1930 is the national cyber crime helpline run with the Ministry of Home Affairs. It links your report to banks and wallets so they can try to stop the money. Call as fast as you can. The sooner the report reaches the bank, the better the chance.
Keep this ready before you start:
- Your mobile number.
- Name of the bank, wallet or app the money left from.
- Account number, wallet ID or UPI ID that was debited.
- Transaction ID or 12 digit UTR number for each payment.
- Date and amount of each payment.
- Card number, if a debit or credit card was used.
- Screenshots of the payment and of the chat or SMS.
- Dial 1930 from any phone.
- Tell them you want to report a financial cyber fraud.
- Give each transaction one by one: bank, transaction ID or UTR, date and amount.
- Write down the acknowledgement number they give you. It also comes by SMS.
- Save that SMS. Take a screenshot of it.
- Now file the full complaint on cybercrime.gov.in (steps below). The official cybercrime.gov.in instructions ask you to complete it within 24 hours of the call.
- Call your bank's official customer care number too, and ask them to block the card, UPI or account. Use the number on your card or passbook.
Checked on 1 November 2026 against: I4C (Ministry of Home Affairs): National Cybercrime Reporting Portal and 1930, National Cyber Crime Reporting Portal: FAQ.
Report a fraud call, SMS or WhatsApp on Chakshu (Sanchar Saathi)
Report a fraud call, SMS or WhatsApp on Chakshu (Sanchar Saathi)
Chakshu is run by the Department of Telecommunications. Use it for calls or messages that try to cheat you, such as fake KYC, fake police, fake customer care, job or loan offers and sextortion. It is for numbers that tried to cheat you. If you already lost money, call 1930 first.
Keep this ready before you start:
- A screenshot of the call log or message. The form asks for one.
- The number or SMS header that contacted you.
- Date and time (within the last 30 days).
- Any phone numbers or links mentioned in the message.
- Your own mobile number, to get an OTP.
- Open sancharsaathi.gov.in/sfc, or open the Sanchar Saathi app (Google Play or App Store).
- On the website, under Citizen Centric Services, choose Chakshu - Report Suspected Fraud Communication.
- Under Report Suspected Fraud, click Proceed.
- Choose how it came: call, SMS or WhatsApp.
- Choose the category. The list includes: KYC and Payment related to Bank / Electricity / Gas / Insurance; Impersonation as Police, CBI, Customs, Aadhaar, RBI; Fake Customer Care Helpline; Online job / lottery / gifts / loan offers; Sextortion; IVR / Robo Calls; Malicious link / website; Investment, Stock Market and Trading; Impersonation as DoT / TRAI; Impersonation as a relative / friend; Any Other Suspected Fraud.
- Attach the screenshot. The portal may fill some details from the image. Check them.
- Type the number it came from. For an SMS with a name instead of a number, choose With header and type the header.
- Enter the date and the time in HH:MM AM/PM format.
- In complaint details, write at least 30 characters. Say what they asked for and what they claimed.
- Add any phone numbers and links that were in the message.
- Enter the mobile number on which you got the call or message.
- Type the captcha. Click Verify Mobile via OTP. Enter the OTP. Click Verify OTP.
- Tick the declaration. Click Preview. Check it. Click Submit.
- Take a screenshot of the thank you message. The Department says it will not send you individual results, for privacy reasons.
- If it came on WhatsApp, also report the chat inside WhatsApp. The portal asks you to do this.
Checked on 1 November 2026 against: Chakshu: report suspected fraud or spam (Sanchar Saathi), Sanchar Saathi portal and FAQ (Department of Telecommunications).
Related guides
- Spam calls, SMS and telemarketing Block marketing, complain within 7 days, and report fraud calls on Chakshu.
- UPI, payment apps and wallets Failed payments, fraud payments, QR and collect request scams, and refunds.
- E-commerce and quick commerce apps Online shopping and 10 minute delivery apps: orders, returns, fake calls and your data.
See also when a platform shares your data with a third party and the escalation ladder.
Official sources
Checked on 1 November 2026. Company pages are labelled as the company's own words.
- IT (Reasonable Security Practices and Sensitive Personal Data) Rules, 2011 (India Code)
- IT Act section 43A: compensation for failure to protect data (India Code)
- National Consumer Helpline (Department of Consumer Affairs)
- e-Jagriti: file a case before a Consumer Commission
- Digital Personal Data Protection Act, 2023 (MeitY copy of the Gazette)