I suspect ATM skimming at a Gandhinagar bank ATM after fraudulent withdrawals from my account. What should I do?
AN Asked by Anjali Gupta from India
Quick Answer
Report the unauthorised transactions to your bank immediately and file an FIR at the cyber crime police station in Gandhinagar under Section 66C IT Act, 2000 (identity theft) and Section 318(4) BNS, 2023.
Detailed Legal Analysis
Report the unauthorised transactions to your bank immediately and file an FIR at the cyber crime police station in Gandhinagar under Section 66C IT Act, 2000 (identity theft) and Section 318(4) BNS, 2023. RBI's 2017 circular limits customer liability for unauthorised electronic transactions if reported within three working days to zero.
Preserve the ATM location, time, and any hidden camera or skimmer photos as electronic evidence under Section 63B BSA, 2023. Report on the National Cyber Crime Reporting Portal and request CCTV footage from the bank.
Approach the Banking Ombudsman if the bank disputes the refund. If police do not investigate, move Gujarat High Court under Article 226 for a direction.
Refer to Gujarat Rent Control Act 1999 for any state banking fraud victim relief.
Legal Provisions Referenced
Verify the current statutory text at India Code (the official repository of Indian legislation) or the Legislative Department. This answer is general legal information, not advice on your specific matter.
Disclaimer: AI-generated for educational purposes only. Does not constitute legal advice. Consult a qualified practitioner.