Payment fraud
Fake UPI KYC freeze
Callers say a UPI or bank account is frozen unless you scan a QR code or install an app.
How Scam Works?
This conversation is invented. It shows the pattern so you can recognise it. It is not a real message, and nothing here should be replied to or paid.
Demonstration
Phone call, then SMS
Unknown number, saved as “UPI KYC desk”
Scam message
Your UPI is frozen because KYC expired. It will close in 30 minutes.
What you might say
The app still opens. Who is this?
Scam message
National payments desk. I am sending a QR. Scan it to release the freeze. Do not call your branch.
A bank does not unlock UPI by making you scan a QR or install a remote-access app.