First, focus on restoring your account’s security and warning your contacts. Use the app’s official recovery options and file a cybercrime complaint about the fraud carried out in your name.
An account may be misused if a phone is lost, an OTP is shared, or an unknown linked device is used. Simply reinstalling the app is not sufficient in every situation. It is important to review the available linked devices, secure your email and SIM, and follow the official recovery process. Giving an OTP to a so-called recovery expert could make the loss worse.
What should you do now?
- Use another secure channel to tell your contacts not to act on requests for money sent in your name.
- Follow the steps provided by official app support to regain access to your account, remove unknown sessions, and improve your security settings.
- If anyone has already made a payment, ask them to report it to their bank and to 1930 immediately; also file your own complaint.
Which documents should you keep?
Keep the unauthorised messages, login alerts, phone numbers, payment details, and complaint number.
Avoid this mistake
Deleting all messages without preserving evidence or trusting a fake support number can be harmful.
A hypothetical example
A message sent in your name says that money is urgently needed for a hospital. A contact makes the payment. Even after you regain access to your account, the payment must be reported to the bank separately; keep a record of both processes.
Does recovering the account also get the money back?
No. Account recovery and recovering money from the bank are separate processes.
Legal basis and useful sources
- National Cybercrime Reporting Portal — Official FAQ
- Reporting cyber financial fraud — Official instructions
This is general legal information. Advice may differ depending on your facts, the applicable law, and state rules.