I suspect ATM skimming at a Bikaner bank ATM after fraudulent withdrawals from my account. What should I do?

Detailed Legal Analysis

If you suspect ATM skimming at a bank ATM in Bikaner after experiencing fraudulent withdrawals from your account, it is essential to take immediate action to protect your interests and report the crime.

Here are the steps you should follow:

• Contact Your Bank:
  • Immediately report the unauthorized transactions to your bank's customer service. Use the helpline number or visit the nearest branch.
  • Request the bank to block your ATM card to prevent further unauthorized transactions.
  • Ask for a detailed statement of your account to review all transactions and identify any additional fraudulent activities.
• File a Complaint with the Police:
  • Visit the local police station in Bikaner to file a First Information Report (FIR). This is essential for any investigation into the skimming incident.
  • Provide details such as the location of the ATM, the timing of the fraudulent withdrawals, and any other relevant information.
  • Ensure you obtain a copy of the FIR for your records and further proceedings.
• Notify the Cyber Crime Cell:
  • Contact the local Cyber Crime Cell or file a complaint online via the Cyber Crime Reporting Portal (cybercrime.gov.in) which operates under Section 66 of the Information Technology Act, 2000.
  • Provide them with all details regarding the ATM skimming incident, including the FIR details.
• Monitor Your Account:
  • Regularly check your bank statements and online banking for any further unauthorized transactions.
  • Consider changing your online banking passwords and enabling two-factor authentication for added security.
• Consult Legal Professionals:
  • If you face challenges in resolving the issue with the bank or law enforcement, consider consulting with a lawyer specializing in cyber law.
  • You may also consider filing a complaint with the Banking Ombudsman as per the provisions of the Banking Ombudsman Scheme, 2006.

Under Section 66 of the Information Technology Act, 2000, cyber crimes like ATM skimming are punishable offenses. Ensure that you take these steps promptly to safeguard your financial interests and assist in the investigation.