A woman allegedly lost ₹1,299.20 in a WhatsApp business opportunity scam, prompting complaints over two disputed UPI payments.
How Did the Alleged UPI Fraud Occur?
The woman reportedly made two payments after receiving an offer involving an online order and franchise opportunity through WhatsApp. According to a complaint shared on X by her son, Shankar Shastri, the transactions were made on October 31, 2026.
The first payment was ₹700, followed by another transfer of ₹599.20, bringing the total disputed amount to ₹1,299.20. Both transactions were completed through Paytm UPI. However, the promised service was allegedly never delivered, prompting the family to seek assistance in tracing the recipient and recovering the money.
Bangalore City Co-operative Bank was mentioned in connection with the banking details shared by the complainant. The available information does not establish any wrongdoing by the bank.
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What Action Did the Complainant Take?
Shastri stated that a complaint had already been registered through the National Cyber Crime Helpline 1930 after the disputed payments came to light. He subsequently approached Paytm, requesting assistance in identifying the beneficiary of the transactions and recovering the amount transferred by his mother.
The complainant sought coordination between the payment service providers, banking institutions and cybercrime authorities to address the alleged fraud.
What Did Paytm Advise?
In its response, Paytm advised the complainant to register a cybercrime complaint and submit a chargeback request with Bangalore City Co-operative Bank. The company also recommended maintaining contact with the bank and cybercrime authorities for further assistance.
Paytm stated that the transaction was pending with WhatsApp Pay, identified as the payment service provider, and suggested coordinating with the relevant provider or bank for quicker assistance.
The response outlined the available complaint and payment-dispute channels but did not confirm whether the money would be recovered.
What Is the Status of the Complaint?
The complainant has requested coordinated action to trace the beneficiary account and recover the disputed ₹1,299.20.
The case concerns an alleged WhatsApp-based business opportunity scam in which payments were made through UPI without the promised service being delivered. It also highlights the complaint process involving payment providers, banks and cybercrime authorities when customers dispute digital transactions.
