Nowadays shopping online has become very common. People buy clothes, mobile and household items from mobile while sitting at home. But the faster the online purchase is increasing, the faster the fraud cases are also coming up. Sometimes people lose their money by coming under the guise of cheap offers on fake websites, sometimes it is not found or fake/substandard product is sent. In such a situation, it is very important for every person to know and understand about this fraud. In today’s article, we will give you all detailed information on this subject, such as what is online shopping fraud, how to recognize it? What to do in case of online fraud – Complaint and Legal Options? How to take money back from Flipkart and Amazon?
What is online shopping fraud – how is it?
When a person or company cheats on people on the pretext of online shopping, it is called online fraud. In this, people are cheated in different ways. Let us know some methods of online shopping fraud in detail:
1. Fraud from fake website
Some people create a fake website that looks like a real website. After this, many people like us, seeing the goods they get in less money, trust them and give money, but the goods we buy never comes to us.
2. Sending cheap or fake goods
Many times people order expensive and good brand items through online shopping, but in return they get cheap, fake or used goods.
3. Do not send goods after taking money
Many fake websites and social media pages take money from people, but do not send any goods later and do not even talk later.
4. Fake offers and discounts
These people take our money fraudulently by giving false offers like “big discount” or “buy 1 free” to fool us.
5. Steal personal information
Some fraudsters steal bank details, debit/credit card number, OTP and password through fake website. After this, they can misuse these information.
What to do if online shopping fraud is a victim?
If you have fallen victim to online fraud, there is no need to panic. Taking the right steps in time increases the chances of getting your money back. Some important steps are given below, which should be adopted immediately.
1. Try to stop payment immediately
If you have made payment from debit card, credit card, UPI or net banking, then contact your bank immediately. In such a situation, first call the customer service and request the request of Dispute Transaction.
In case of UPI transaction: Complaint on its helpline (Paytm, Google Pay, PhonePe). If you have paid with credit card, then request the bank for chargeback.
2. Complain on the related platform
If you had shopping from Amazon, Flipkart, Myntra, or any other trusted website and cheated on you, contact their customer care and file a complaint. After this, share the complete information and transaction ID of the order.
If there is any fraud through social media like Facebook, Instagram, then complain on that app itself.
3. Call cybercrime helpline number immediately
Call cybercrime helpline number 1930 immediately and get your complaint filed. To register a complaint, you have to give complete information about fraud (payment details, website links, mobile number).
4. Complain on cybercrime portal
If a complaint is not filed on the phone for some reason, then you can also file online complaints on the government’s cyber crime portal www.cybercrime.gov.in. Here you have to login and file your complaint. After this, upload evidence related to the payment you have made like screenshot, transaction ID etc.
After filing the complaint, you will get a number, so that you can track the status of the complaint.
5. Notify the bank or wallet app
If the fraud is done with your debit card, credit card, bank account or digital wallet (Paytm, Google Pay, PhonePe), call their customer care helpline immediately.
Send a complaint to NPCI (National Payments Corporation of India) for the UPI fraud. If there is a fraud from the bank account, then give the bank written complaint and ask to block the account.
6. File a complaint at the police station
If the amount of cheating is very high, then lodge an FIR in your nearest police station without delay. To register an FIR, keep proof of payment proof, messages, call recording, email etc.
How to take money back (refund) when fraud on Flipkart and Amazon?
If you bought any goods from Flipkart or Amazon, and it turns out to be bad, not reaching you, or wrong items have been sent, you can take the money back or replacement. We have given the entire process below to help you so that you can easily get your money back.
Step 1: Open the app or website that has cheated you
First of all, open Flipkart or Amazon’s app or website in your phone. That is, open any of these apps, which has been cheated by you.
After this, click on the three lines menu on the top right, and click on the option of my order (My Orders’).
Step 2: Choose the order you want refund
Now all your orders will be seen. Select the product that has problems and click on the ‘Return’ (Return) button given below.
Step 3: Choose the reason for returns or replacement
Now a page will open, where you have to tell whether you want the money back or replacement. After this, choose the cause of your problem in the option given further, like –
- Wrong product came
- Poor/broken product
- Size is not fit
- Product quality is poor
After choosing one problem, now click on the ‘Submit’ button.
Step 4: Taking back the goods and investigating
If your return is approved, the delivery team will come to get the product in 2-3 days. In some cases the delivery boy will open the packet and examine whether the product is actually bad.
Step 5: How to get refund?
If you made online payment, the money will return to the same account in 3 to 7 days. If you bought a cash on delivery (COD), the money will come to the wallet of the app which you can later transfer to your bank account.
How to return money from the bank if you are cheated?
If you have made any wrong payment, or have fallen victim to a fraud, or without permission from your account, you can get your money back through the chargeback process.
What is the chargeback?
Chargesback is a banking process, in which the customer can ask for his money back by complaining of incorrect or unauthorized transactions. This facility is for debit cards, credit cards, UPI and online payments.
How to apply for chargeback?
Step 1: Inform the bank immediately
If there is a wrong transaction from your account, call your bank’s customer care number immediately or go to the nearest bank branch.
After this, give all this information to the bank –
- Date and time of transaction
- Transaction Amount
- Transaction ID (if available)
Bank’s helpline number:
- SBI: 1800–1234
- HDFC Bank: 1800-202-6161
- ICICI Bank: 1800-120-7777
- Axis Bank: 1800-103-5577
- Paytm Payments Bank: 1555
- Google Pay: 1800-419-0157
- PhonePe: 080-68727374
Step 2: File a complaint for chargeback
- First of all go to bank branch or see the option of ‘Dispute Transaction’ in Net Banking/Mobile Banking App.
- After this, give written complaint to the bank and request for chargeback.
- If the transaction is done from UPI, then file a complaint with NPCI (National Payments Corporation of India).
To complain on NPCI:
- Go to www.npci.org.in
- Go to ‘Dispute Redressal Mechanism’ section
- Enter UPI Transaction ID and complain
Step 3: Bank’s investigation and chargeback process
The bank will investigate your complaint and contact the transaction merchant (where the money is gone). If the mistake is not of the customer, the bank can get the money back from the merchant. The chargeback process may take 7-30 days, depending on the type of bank and transaction.
Step 4: Procedure to get money back
If the bank feels that your complaint is correct, then your money will be sent back to your account.
In which cases can the money be returned from the bank?
- Cut without permission money (unauthorized transaction)
- Sent money in wrong account
- UPI, fraud with debit/credit card
- ATM did not get money, but was cut off from the account
- Money was deducted in online shopping but not found goods
- Double payment is done
How to identify online fraud and save them?
If you are shopping online, then by some things given below you can know that you are not cheating and how to avoid them:-
Check the website: If a website is selling you for very little money and you have never heard his name before, be careful. In such cases, first of all, see the address of that website (URL). If she does not start with “https: //”, it cannot be safe. Also, if the design and language of the website is strange or bad, it can be fake.
Avoid heavy discounts: If a website or social media page is giving you a huge discount of up to 70-80%, then be careful. Fraud people implicate people only with lure of low price.
Take care while paying: Be careful if a website is just asking for online payment and not giving the option of Cash on Delivery. Apart from this, if an website is asking to pay from an unknown app or wallet, then first check it.
Fake customer care and feedback:Â Fraudsters enter fake customer care numbers. In which if you do not get any answer, it can be fraud. Apart from this, if only good reviews are visible on a website and there is no bad review, then they can still be fake.
Social media fraud
Nowadays many fake pages are created on Instagram, Facebook and WhatsApp, which claim to sell precious goods for less money. Check them thoroughly before shopping from these pages.
Conclusions
Online shopping is as convenient as it can be risky. In such a situation, being vigilant is the biggest rescue. If you have fallen victim to online shopping fraud, there is no need to panic. Taking the right steps on time can get your money back and take legal action.
Frequently asked questions (FAQs)
Can money be withdrawn from the bank? Yes, if you have paid with debit/credit card, you can request ‘Chargeback’ in the bank. For this, it is necessary to contact the bank within 24-48 hours.
How to return money from Amazon and Flipkart? First open the Amazon/Flipkart app and then go to the ORDers. Choose the order in which there is a problem and click on ‘Return’ or ‘Refund’ option. After this, give reasons and submit the request.
How many days to complain when online shopping fraud? Complain as soon as possible. The bank has 30 to 120 days for chargeback, but it is better to make complaints in cybercrime (1930) and consumer forums immediately.
How many days do you get chargeback (return) money from the bank? The chargeback process may take 7 to 90 days, it depends on the type of bank and transaction. Chargebacks can be found early in cases paid by credit card.
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