Urgent help fraud transaction!!
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Nxt msg came from my reigistered bank 5000 deductions
Rs 5000.00 debited from a/c **3*** on 10-02-20 to VPA 9091732&@₹@paytm(UPI Ref No 00411686₹₹₹₹). Not you? Call on 18002586161 to report
1. OP full form?
2. I think jab first time UPI me register kar chuke ho then OTP nahi chaiye hota hai.
Sirf 2 mistake ki khafi hai.
If you have 2 phones, try it and tell me if it is possible.
Each time when these type of fraud happens, 50% our mistake whether knowingly or unknowingly and 50% the hackers mind
Now I changed mobile no of hdfc bank from which money was debited thru upi by fruad.. is it still possible that money can be deducted without my knowledge thru upi now??
Even earlier when you lost your money,it was with your knowledge(you forwarded the activation sms). 
kya faltu k discusstion me pare hue ho tumlog.
forget the UPI part, first focus on account create or sign-in part on any UPI app -
when you register/sign-in first time on any UPI apps,
UPI app send OTP to your register mobile number.
without sharing your register/sign-in OTP, you can’t open account on any UPI apps and your UPI app register/sign-in mobile number should be same on your bank register mobile number to create UPI account.
OP ne pahele apna Axis Mobile UPI app k registration OTP share kiya hoga (paheli galti),
phir encryption sms manually send kiya hoga (dusra galti)
3rd mistake maybe OP ne complaint forum me apna UPI PIN share kiya hoga or maybe banks official apps me agar same bank me account ho toh UPI PIN nhi mangte ha (but here OP k HDFC bank se fraud hua he so UPI PIN usi ne share kiya hoga) but first & 2nd security he kafi he UPI account ko safe rakhne k liye OP ne Axis Mobile UPI app k registration OTP & encryption sms manually send kar k 2 bade mistake kiya.
now those who think ki UPI disabled karne se UPI fraud se bach jayega, you are 100% wrong, agar akal na ho toh fraudster UPI phir se enabled kar k saare paise nikal lega. UPI is 100% safe bas dnt share any personal details, UPI PIN, OTP, Password to anyone and dnt click any suspicious link or download any screen sharing apps on your mobile.