The Citizen Financial Cyber Fraud Reporting and Management System has been developed in-house by I4C to integrate Law Enforcement Agencies and Banks and Financial Intermediaries. It is currently being utilised along with 1930 operational in almost in every state and union territories of India.

The facility empowers both the banks and the police, by leveraging new-age technologies for sharing online fraud-related information and taking action in almost real-time. The loss of defrauded money in online cheating cases can be stopped by chasing the money trail and stopping its further flow before it is taken out of the digital ecosystem by the fraudster.

The facility empowers both the banks and the police, sharing online fraud-related information and taking action in almost real-time. 

keep the below documents Ready before calling 1930

STEP BY STEP PROCESS @ CFCFRMS

• Victims can call on Helpline no. 1930, which is manned and operated by the respective State Police officers.
• The Cyber Police notes down the fraud transaction details (Account Number, Wallet, UPI, Transaction ID, Date, Debit/Credit Card Numbers Etc) and other basic personal information of the caller and submits a Ticket on the portal
• The Ticket gets escalated to the concerned Banks, Wallets, Merchants, and so on, depending on whether they are the victim’s bank or the bank/wallet in which the defrauded money has gone.
• An SMS is also sent to the victim with an acknowledgment number of the complaint with directions to submit complete details of the fraud on the portal within 24 hours, using the acknowledgment number.
• In pursuance of the online complaint lodged in the National Cybercrime Reporting Portal (NCRP), the money of Victims of Cyber Crime of Telangana State will be been frozen in the account of accused, through the mechanism in force from the NCRP portal.
• The Investigation Officer, shall seek information regarding the bank account statement, status of account (Freeze/Lien/Debit Freeze/Active) of the accused by sending notice to the concerned banks. The concerned Bank Manager, shall duly issue a Certificate mentioning all the details concerning the fraud transactions accordingly.
• After collecting the information of the accused as mentioned above, the victim is called personally and after collecting the necessary documents (Identify Card / Copy of Bank Passbook in which fraud transaction is found), then victim shall file an application before the concerned Court.
• Then opinion from the concerned police station shall be sought on the application submitted by the applicant to the Honourable Court. The concerned police station shall submit the opinion to the concerned court  and also the copy of communication received from the bank in which it is proved that account is frozen and put on hold. Thereafter, all the documents relating to the aforementioned communication and the opinion of the Investigation Officer shall be submitted to the concerned Court.
• In the next stage, the concerned Court shall issue the order regarding refund of amount frozen through the complaint registered on the Citizen Financial Cyber Frauds Reporting and Management System (CFCFRMS) Portal.
• As per the conditions mentioned in the Court Order, Investigation Officer shall take a bond from the applicant (victim) for surety for complying the conditions required to be followed by the applicant.
• Investigation Officer shall send a covering/forwarding letter to the concerned bank, to implement the Court Order.
• As per the discretion of the Court / Lok Adalat hearings, release of money from the suspect accounts back into the victims account will be facilitated.

SPECIAL NOTE – FOR Money on Hold

Contact the Investigating Officer (IO): Request information on the case and clarify why your account was frozen.

Understand the Reason for the Hold

Accounts are typically frozen or placed on hold if they are suspected of being involved in cybercrime, fraud, or illegal activities. Check if you have received any official communication from cybercrime authorities or the bank explaining the reason for the hold.

File a Grievance or Complaint

• Contact the Bank: Visit the branch where your account is held and speak with the bank manager or grievance officer to understand the reason and obtain the official notice or order related to the hold.
• Submit a Grievance on https://cybercrime.gov.in: If you suspect the hold is due to a complaint filed on the National Cyber Crime Reporting Portal, log into the portal and provide details of your case. Ensure you have your acknowledgment number or any FIR/reference number.
• Submit Evidence of Innocence: Provide any documentation proving that the funds in the account are legitimate (e.g., invoices, bank statements, proof of transaction sources).

Obtain Legal Documentation

If the hold is linked to a police complaint or investigation, you may need to:

• Contact the Investigating Officer (IO): Request information on the case and why your account was frozen.
• Submit Evidence of Innocence: Provide any documentation proving that the funds in the account are legitimate (e.g., invoices, bank statements, proof of transaction sources).
• File an FIR Review Request: If the hold is based on a fraudulent complaint, you can file a formal request with the relevant police department.

Court Order to Unfreeze Account

A court order directs the bank or the investigating agency to lift the freeze or hold on your account. The order should include:

• The specific account details (account number and bank branch).
• Instructions to unfreeze the account.
• A declaration stating that the account holder has proven legitimate ownership of funds, or that there is no further need for the freeze due to the resolution of the investigation.

Steps to Obtain a Court Order:

• File a Petition: Engage a lawyer to draft and file a petition in the appropriate court (typically a district or sessions court). The petition should request the lifting of the hold, supported by evidence proving the legitimacy of the funds.
• Attend Hearings: Participate in hearings as required, providing necessary explanations and documentation.
• Obtain the Order: Once the court is satisfied, it will issue the required order directing the authorities or bank to take action.

What to Do After Receiving the Order:

• Submit the Order to the Bank: Provide a certified copy of the court order to your bank.
• Notify the Cybercrime Authority: If applicable, inform the investigating officer and submit a copy of the court order for their records.
• Follow Up: Ensure the bank processes the unfreeze request promptly.

No Objection Certificate (NOC)

Alternatively, you may appoint a lawyer or seek police assistance to discuss with the complainant directly. Pay the money on hold (if applicable) and obtain an NOC to submit to the bank.

Important Note: If the hold was placed due to a baseless complaint, the court may dismiss the application or complaint and direct the authorities to unfreeze the account.

• All money that is on hold at the fraudster (1st Layer only) shall be refunded to the victim after the due diligence by police authorities.
• For the money that is on hold at the (2nd, 3rd  Layers and so on). Police authorities will communicate with all of them and do the due diligence and if they see no-merit in their discussions, Police authorities will initiate a  refund and the victim may get a refund and this may not be possible in all cases.
• First layer means a fraudster to whom you have transferred money (it can be multiple accounts). The second layer means subsequent accounts where the fraudster has transferred the money.
• If the fraudster’s account contains more funds than the amount that has been put on hold, as per the court order, you are eligible to recover up to the amount that you were defrauded.

FOr VICTIMS from telangana – Victims caN get money back in the below two cases 

• FIR registered, amount is put on hold and accused not traceable.
• FIR not registered, amount is put on hold and amount lost is 25000 or less.