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Q: I paid the "verification fee" and the withdrawal still didn't come. What now?

File at cybercrime.gov.in within 72 hours. Provide every transaction screenshot. Visit your bank for a chargeback request under the RBI Charge-back framework. Recovery odds are low but the FIR helps any future class action.

Q: A "recovery agent" is calling me. Should I report?

Yes. Block the number and report at 1930 + cybercrime.gov.in. Mention the previous app and give them the new caller's number.

Q: Can I sue the offshore app?

Practically — almost never (jurisdiction, service of process, asset location all stack against you). Better to support enforcement: file the cyber complaint, RTI the cyber cell on case status, push for class-action coverage.

Q: My CIBIL has dropped because of an app loan I didn't take. What do I do?

File at cybercrime.gov.in; lodge a CIBIL dispute under the RBI Customer Service Framework//; file written complaint to the lender's grievance officer; if no resolution in 30 days, escalate to the Banking Ombudsman.

Q: How do I know if an app is using these tricks before I deposit?

Check the Scam App Database — it's free, no login, paste the app name.

Please enter a new password for your account in this wiki.

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