Banking Fraud — Unauthorized Transactions

If money is deducted from your bank account without your permission — through ATM fraud, credit card fraud, debit card fraud, or unauthorized online transactions — you can file a complaint with the bank and also lodge an FIR. Banks must resolve unauthorized transaction complaints within 10 working days under RBI rules.

• Unknown transactions appear on A's credit card statement. A reports to the bank and files an FIR. Under RBI rules, if A reports within 3 days, A has zero liability.