How to Report Fraud in Pakistan: Complete Guide to Report Online, Bank & Financial Fraud 2026

TL;DR - Quick Answer

To report fraud in Pakistan: File complaint with FIA Cyber Crime (fia.gov.pk/cybercrime or call 9911), report to your bank immediately, contact PTA for phone fraud (0800-55055), and file FIR at local police station. This guide covers all types of fraud reporting with complete step-by-step instructions.

Introduction: Understanding Fraud in Pakistan

Fraud has become increasingly sophisticated in Pakistan, affecting millions of citizens annually. From online fraud and bank fraud to financial fraud and cyber fraud, knowing how to report fraud in Pakistan is essential for protecting yourself and helping authorities combat these crimes.

According to recent statistics, Pakistani citizens lose billions of rupees annually to various fraud schemes. Whether you've encountered online shopping fraud, money fraud, or scam numbers, this comprehensive guide provides everything you need to know about how to report fraud in Pakistan in 2026.

This guide covers all fraud types and reporting channels, ensuring you can take immediate action when fraud occurs.

Types of Fraud in Pakistan

Understanding different fraud types helps you know how to report fraud in Pakistan correctly:

1. Online Fraud

How to report online fraud in Pakistan starts with identifying it:

• 💻 E-commerce scams - Fake online stores, non-delivery of goods

• 📱 Social media fraud - Facebook Marketplace, Instagram shop scams

• 🎮 Gaming fraud - Fake in-game purchases, account theft

• 🎓 Education fraud - Fake degree programs, scholarship scams

• 💼 Job portal fraud - Fake job offers requiring fees

• 🏠 Real estate fraud - Fake property listings

2. Bank Fraud

How to report bank fraud in Pakistan is critical for financial protection:

• 💳 Card fraud - Unauthorized credit/debit card transactions

• 🏦 Account takeover - Unauthorized access to bank accounts

• 📲 Mobile banking fraud - Compromised banking apps

• 🔐 OTP theft - Stealing one-time passwords

• 💰 ATM fraud - Skimming, card cloning

• 📧 Phishing emails - Fake bank communications

3. Financial Fraud

How to report financial fraud in Pakistan covers broader schemes:

• 📈 Investment fraud - Ponzi schemes, fake investment platforms

• 💸 Loan fraud - Advance fee scams for loans

• 🏢 Business fraud - Fake business opportunities

• 💎 Cryptocurrency scams - Fake crypto exchanges

• 📊 Stock market fraud - Pump and dump schemes

• 🎰 Gambling fraud - Rigged online betting

4. Cyber Fraud

How to report cyber fraud in Pakistan includes digital crimes:

• 🔓 Identity theft - Stolen personal information

• 🌐 Website hacking - Compromised websites

• 📧 Email fraud - Business email compromise

• 💬 Social engineering - Manipulation tactics

• 🦠 Malware/Ransomware - Malicious software attacks

• 📱 SIM swap fraud - Unauthorized SIM replacement

5. Phone & SMS Fraud

How to report fraud calls in Pakistan and scam numbers:

• 📞 Vishing - Voice phishing calls

• 💬 Smishing - SMS phishing messages

• 🎁 Prize scams - Fake lottery/prize notifications

• 🏦 Bank impersonation - Fake bank calls

• 👮 Authority impersonation - Fake police/FIA calls

• 📲 WhatsApp fraud - Compromised accounts

6. Online Shopping Fraud

How to report online shopping fraud in Pakistan:

• 📦 Non-delivery scams - Payment taken, no product

• 🎭 Counterfeit products - Fake branded items

• 💰 Overcharging - Hidden fees, wrong prices

• 🔄 Refund fraud - Refusing legitimate refunds

• 📸 Photo scams - Product doesn't match pictures

How to Report Fraud in Pakistan: All Official Channels

Complete guide on how to report fraud in Pakistan through official authorities:

Method 1: FIA Cyber Crime Wing (Primary Authority)

FIA is the main authority for how to report online fraud in Pakistan, cyber fraud, and financial fraud.

🌐 FIA Cyber Crime Online Portal

Website: fia.gov.pk/cybercrime

Step-by-Step Process:

1. Visit fia.gov.pk/cybercrime

2. Click "Report a Complaint"

3. Select fraud type:

   • Online Fraud - E-commerce, shopping scams

   • Financial Fraud - Banking, investment scams

   • Cyber Harassment - Threatening messages

   • Phishing - Fake websites, emails

   • Identity Theft - Stolen personal data

   • Social Media Fraud - Facebook, Instagram scams

4. Fill complainant information:

   • Full name

   • CNIC number

   • Contact number

   • Email address

   • Complete address

5. Enter suspect details:

   • Name (if known)

   • Phone number

   • Email address

   • Website URL

   • Social media profile

   • Bank account details (if available)

6. Describe the fraud incident:

   • Date and time of occurrence

   • Detailed description of what happened

   • How you were contacted

   • What information you shared

   • Financial loss amount

7. Upload supporting evidence:

   • Screenshots of conversations

   • Bank transaction receipts

   • Email communications

   • Website screenshots

   • Call recordings (if available)

   • Any other relevant documents

8. Submit complaint and receive reference number

9. Track complaint status online using reference number

10. Respond to FIA queries promptly

📞 FIA Cyber Crime Helpline

Call: 9911 (From any network in Pakistan)
Available: 24/7 for urgent cyber crime reporting
For: Immediate assistance, emergency fraud cases

📧 FIA Email Reporting

Email: complaint@nr3c.gov.pk
Include: Complete details, evidence attachments, contact information

🏢 FIA Cyber Crime Offices

Visit nearest FIA Cyber Crime Circle for in-person reporting:

• Islamabad: FIA Headquarters, G-9/4, Islamabad

• Karachi: FIA Sindh Zone, Saddar, Karachi

• Lahore: FIA Punjab Zone, Shadman, Lahore

• Peshawar: FIA KPK Zone, University Road, Peshawar

• Quetta: FIA Balochistan Zone, Jinnah Road, Quetta

• Multan: FIA South Punjab Zone, Multan

• Faisalabad: FIA Central Punjab Zone, Faisalabad

• Rawalpindi: FIA Rawalpindi Circle

• Hyderabad: FIA Hyderabad Circle

• Sukkur: FIA Sukkur Circle

Method 2: How to Report Bank Fraud in Pakistan

For bank fraud, immediate action is critical:

Step 1: Contact Your Bank Immediately

Actions to take within minutes:

1. Call bank's fraud hotline (available 24/7)

2. Report unauthorized transactions

3. Request immediate account freeze

4. Block compromised cards

5. Change all passwords and PINs

6. Request transaction reversal if possible

Major Banks Fraud Hotlines

Step 2: Report to State Bank of Pakistan

SBP Banking Mohtasib handles banking complaints:

Helpline: 021-111-727-273
Email: consumer.complaints@sbp.org.pk
Website: sbp.org.pk/complaints
Online Portal: cms.sbp.org.pk

Step 3: File FIR at Police Station

For financial loss, file First Information Report (FIR):

• Visit nearest police station

• Bring all evidence and bank statements

• Request FIR copy for records

• Provide FIR number to bank and FIA

Method 3: How to Report Fraud Number in Pakistan

For fraud calls and scam numbers:

Pakistan Telecommunication Authority (PTA)

Hotline: 0800-55055 (Toll-Free)
Website: complaint.pta.gov.pk
Email: complaint@pta.gov.pk
Hours: Monday-Friday, 9 AM - 5 PM

Online Complaint Process:

1. Visit complaint.pta.gov.pk

2. Register complaint

3. Select "Unsolicited/Spam Calls"

4. Enter fraud number details

5. Describe the scam attempt

6. Upload evidence (screenshots, recordings)

7. Submit and receive tracking number

Mobile Network Operators

Report directly to your operator:

• Jazz: 111 or 0300-0000-111

• Telenor: 345 or 0345-0000-345

• Zong: 310 or 0310-0000-310

• Ufone: 333 or 0333-0000-333

TrueCally Community Reporting

Help others by reporting on TrueCally:

1. Visit TrueCally.com

2. Search the fraud number

3. Click "Report as Fraud/Scam"

4. Select fraud type and add details

5. Submit to warn the community

Method 4: How to Report Fraud Business in Pakistan

For business fraud and fraudulent companies:

Securities and Exchange Commission of Pakistan (SECP)

Helpline: 051-9207091
Email: complaints@secp.gov.pk
Website: secp.gov.pk

Report for:

• Unregistered investment companies

• Ponzi schemes

• Fake stock brokers

• Fraudulent insurance companies

• Illegal fundraising schemes

Competition Commission of Pakistan (CCP)

Helpline: 051-9100-350
Email: info@cc.gov.pk
For: Deceptive business practices, false advertising

Method 5: How to Report Online Shopping Fraud in Pakistan

For e-commerce fraud:

Report to Platform

• Daraz: Contact customer service, file complaint

• Facebook Marketplace: Report listing, report seller

• OLX: Report ad, contact support

• Instagram Shops: Report account, report post

Report to Payment Provider

If you paid through:

• JazzCash: 111 (Report fraud transaction)

• Easypaisa: 3737 (Dispute transaction)

• Bank Transfer: Contact your bank immediately

• Credit Card: Request chargeback from bank

Report to FIA Cyber Crime

File online complaint at fia.gov.pk/cybercrime for legal action

How to Report Online Money Scam in Pakistan

Detailed process for money fraud and financial scams:

Immediate Actions (First 24 Hours)

⚠️ URGENT: Do This Immediately

1. Stop all communication with the scammer

2. Don't send more money even if they pressure you

3. Call your bank to freeze accounts/cards

4. Change all passwords for banking and email

5. Document everything - screenshots, messages, receipts

6. Report to FIA within 24 hours for best recovery chance

Step-by-Step Reporting Process

Step 1: Gather All Evidence

Collect complete documentation:

• 📱 Communication Records:

  • Phone numbers used

  • WhatsApp chat screenshots

  • Email correspondence

  • SMS messages

  • Social media conversations

• 💰 Financial Records:

  • Bank transaction receipts

  • Transfer details (date, time, amount)

  • Recipient account information

  • Payment gateway receipts

  • JazzCash/Easypaisa transaction IDs

• 🌐 Digital Evidence:

  • Website URLs and screenshots

  • Social media profiles

  • Advertisement screenshots

  • Fake documents received

• 📋 Personal Records:

  • Timeline of events

  • Names and aliases used

  • Promises made by scammer

  • Any contracts or agreements

Step 2: Report to FIA Cyber Crime

Primary authority for online money scam:

1. Visit fia.gov.pk/cybercrime immediately

2. Select "Financial Fraud" or "Online Fraud"

3. Provide complete details of money transfer

4. Upload all evidence collected

5. Include bank account details of scammer

6. Request urgent investigation

7. Get complaint reference number

Step 3: Contact Your Bank

Request immediate action:

• Report fraudulent transaction

• Request transaction reversal (if within 24 hours)

• Ask bank to contact recipient bank

• Request account freeze of scammer's account

• Get transaction dispute reference number

• Submit FIA complaint reference to bank

Step 4: File FIR at Police Station

Legal documentation:

• Visit nearest police station

• Bring all evidence and documents

• File FIR under relevant sections

• Get FIR copy and case number

• Provide FIR details to FIA and bank

Step 5: Report to State Bank (If Banking Involved)

Contact SBP Banking Mohtasib:

• Call 021-111-727-273

• File online complaint at cms.sbp.org.pk

• Provide FIR and FIA complaint numbers

• Request investigation of recipient bank account

How Do You Report Being Scammed: Complete Checklist

Comprehensive checklist for how do you report being scammed:

How Do I Report a Scam to My Bank

Detailed guide on how do I report a scam to my bank:

Immediate Bank Reporting Process

Step 1: Call Bank Fraud Hotline

Don't wait - call immediately:

• 📞 Use official bank fraud hotline (see table above)

• ⏰ Available 24/7 for all major banks

• 🆔 Have your account details ready

• 📋 Provide transaction details

Step 2: Request Immediate Actions

Ask bank to:

1. Freeze your account temporarily

2. Block compromised cards immediately

3. Stop pending transactions if possible

4. Reverse fraudulent transaction (if within timeframe)

5. Contact recipient bank to freeze scammer's account

6. Issue new cards with different numbers

7. Reset online banking credentials

Step 3: Visit Bank Branch

Follow up with in-person visit:

• Visit your home branch within 24 hours

• Bring all evidence and documentation

• Fill out fraud complaint form

• Request written acknowledgment

• Get complaint reference number

• Ask for timeline of investigation

Step 4: Submit Required Documents

Provide to bank:

• ✅ Written complaint letter

• ✅ Copy of CNIC

• ✅ Account statements

• ✅ Transaction receipts

• ✅ Screenshots of scam communication

• ✅ FIR copy (if filed)

• ✅ FIA complaint reference

Step 5: Follow Up Regularly

• Track complaint status weekly

• Maintain communication with bank

• Provide additional information if requested

• Escalate to SBP if no response within 30 days

Bank Investigation Timeline

• Day 1-3: Initial investigation, account freeze

• Day 4-7: Contact with recipient bank

• Day 8-15: Transaction tracing and verification

• Day 16-30: Decision on refund/reversal

• Day 31+: Escalate to SBP if unresolved

Common Fraud Scenarios and Reporting Actions

Real-world examples with specific reporting steps:

Scenario 1: Online Shopping Fraud

Situation: Paid PKR 15,000 for phone on Facebook, never received product

Actions:

1. Screenshot all conversations and payment proof

2. Report seller's profile on Facebook

3. Contact payment method (JazzCash/bank) for reversal

4. File complaint at fia.gov.pk/cybercrime

5. Report on TrueCally if phone number involved

6. File FIR at police station with evidence

Scenario 2: Investment Scam

Situation: Invested PKR 100,000 in fake crypto platform, can't withdraw

Actions:

1. Stop all further investments immediately

2. Document all transactions and communications

3. Report to FIA Cyber Crime (9911)

4. Report to SECP (051-9207091)

5. Contact your bank to trace transactions

6. File FIR for financial fraud

7. Report website to Google Safe Browsing

Scenario 3: Bank OTP Scam

Situation: Shared OTP with fake bank caller, PKR 50,000 withdrawn

Actions:

1. Call bank fraud hotline immediately (within minutes)

2. Request account freeze and transaction reversal

3. Change all banking passwords and PINs

4. Report to FIA Cyber Crime urgently

5. Report fraud number to PTA

6. File FIR at police station

7. Report to State Bank of Pakistan

Scenario 4: Job Offer Scam

Situation: Paid PKR 10,000 registration fee for fake job, no job received

Actions:

1. Document all job offer communications

2. Report to FIA Cyber Crime

3. Report on job portal where ad was posted

4. Contact payment provider for refund

5. Warn others on social media and TrueCally

6. File complaint with Ministry of Overseas Pakistanis (if foreign job)

Scenario 5: Loan Advance Fee Fraud

Situation: Paid PKR 20,000 processing fee for loan that never came

Actions:

1. Report to FIA Cyber Crime immediately

2. Report to State Bank of Pakistan

3. Check if company is SBP/SECP registered

4. File FIR for fraud

5. Report phone numbers to PTA

6. Warn community on TrueCally

Legal Framework: Fraud Laws in Pakistan

Understanding legal consequences when you report fraud in Pakistan:

Applicable Laws

1. Prevention of Electronic Crimes Act (PECA) 2016

• Section 3: Unauthorized access to information system (3 years imprisonment)

• Section 4: Cyber stalking (3 years imprisonment, PKR 1 million fine)

• Section 16: Cyber terrorism (14 years to life imprisonment)

• Section 20: Fraudulent electronic transactions (7 years imprisonment, PKR 5 million fine)

• Section 21: Identity theft (3 years imprisonment, PKR 1 million fine)

2. Pakistan Penal Code (PPC)

• Section 415: Cheating (imprisonment up to 1 year)

• Section 419: Cheating by personation (3 years imprisonment)

• Section 420: Cheating and dishonestly inducing delivery of property (7 years imprisonment)

• Section 468: Forgery for purpose of cheating (7 years imprisonment)

3. Banking Companies Ordinance 1962

• Bank fraud and misappropriation

• Unauthorized access to banking systems

• Penalties up to 10 years imprisonment

Penalties for Fraudsters

Prevention Tips: Avoid Becoming a Fraud Victim

While knowing how to report fraud in Pakistan is important, prevention is better:

✓ Financial Safety Do's

• Verify before trusting - Check company registration with SECP

• Use secure payment methods - Prefer COD or escrow services

• Enable 2FA - Two-factor authentication on all accounts

• Check reviews - Research sellers on TrueCally and Google

• Keep evidence - Screenshot all transactions and communications

• Monitor accounts - Check bank statements regularly

• Update security - Keep apps and software updated

• Educate family - Teach elderly about common scams

• Trust instincts - If it feels wrong, it probably is

• Verify caller identity - Call back on official numbers

✗ Financial Safety Don'ts

• Never share OTP codes with anyone, including "bank staff"

• Don't share ATM PIN or card CVV over phone/email

• Avoid advance payments to unknown sellers

• Don't click suspicious links in SMS or emails

• Never install remote access apps requested by strangers

• Don't trust "guaranteed returns" investment schemes

• Avoid unregistered platforms for investments

• Don't pay registration fees for jobs or loans

• Never share CNIC photos with unknown parties

• Don't respond to pressure tactics or urgent demands

Red Flags of Fraud

Warning signs to watch for:

• 🚩 Too good to be true offers

• 🚩 Pressure to act immediately

• 🚩 Requests for advance payment

• 🚩 Poor grammar in communications

• 🚩 Unverified contact information

• 🚩 No physical address or office

• 🚩 Requests for personal information

• 🚩 Unsolicited contact about money

• 🚩 Payment through untraceable methods

• 🚩 Refusal to meet in person

Complete Contact Directory

All authorities for how to report fraud in Pakistan:

Primary Authorities

Payment Providers

• JazzCash: 111 or 0300-0000-111

• Easypaisa: 3737 or 0345-3737-111

• SadaPay: support@sadapay.pk

• NayaPay: support@nayapay.com

Community Resources

• TrueCally: truecally.com - Report and check fraud numbers

• Pakistan Cyber Security: Community forums and groups

• Consumer Rights Pakistan: consumerrights.pk

Frequently Asked Questions (FAQs)

❓ How to report fraud in Pakistan?

Report fraud by filing complaint with FIA Cyber Crime at fia.gov.pk/cybercrime or calling 9911. Also contact your bank immediately, report to PTA for phone fraud (0800-55055), and file FIR at local police station. Report on TrueCally.com to warn the community.

❓ How to report online fraud in Pakistan?

Visit fia.gov.pk/cybercrime, select "Online Fraud" category, provide complete details with evidence (screenshots, transaction receipts), and submit complaint. You'll receive a reference number to track your case. Also report to your payment provider for possible refund.

❓ How to report bank fraud in Pakistan?

Immediately call your bank's fraud hotline (available 24/7), request account freeze and transaction reversal, then visit branch to file written complaint. Report to State Bank at 021-111-727-273 and FIA Cyber Crime. File FIR at police station with all evidence.

❓ How do I report a scam to my bank?

Call bank's fraud hotline immediately, provide transaction details, request account freeze and card blocking. Visit branch within 24 hours with evidence, fill fraud complaint form, get reference number. Submit FIR copy and FIA complaint reference to bank for investigation.

❓ How to report fraud number in Pakistan?

Report to PTA at 0800-55055 or complaint.pta.gov.pk, contact your mobile operator (Jazz: 111, Telenor: 345, Zong: 310, Ufone: 333), file complaint with FIA Cyber Crime, and report on TrueCally.com to warn others.

❓ How to report financial fraud in Pakistan?

Report to FIA Cyber Crime (9911), State Bank of Pakistan (021-111-727-273), SECP for investment fraud (051-9207091), your bank for transaction fraud, and file FIR at police station. Provide complete financial records and evidence.

❓ How to report cyber fraud in Pakistan?

File complaint at fia.gov.pk/cybercrime or call 9911. Select appropriate category (phishing, identity theft, hacking), upload all digital evidence, and receive complaint reference. FIA Cyber Crime Wing handles all cyber crimes with specialized investigation.

❓ How to report online shopping fraud in Pakistan?

Report to the platform (Daraz, OLX, Facebook), contact payment provider for refund, file complaint with FIA Cyber Crime, report seller's number on TrueCally, and file FIR if significant loss. Keep all screenshots and transaction records.

❓ How to report fraud business in Pakistan?

Report to SECP at 051-9207091 or secp.gov.pk for unregistered companies, Ponzi schemes, or illegal fundraising. Also report to FIA Cyber Crime, Competition Commission of Pakistan for deceptive practices, and file FIR at police station.

❓ How do you report being scammed?

Immediately stop communication with scammer, call your bank to freeze accounts, change all passwords, document everything, report to FIA Cyber Crime within 24 hours, file FIR at police station, and warn community on TrueCally. Quick action increases recovery chances.

❓ Can I get my money back after being scammed?

Recovery depends on quick action. Report to bank within 24 hours for best chance of transaction reversal. File FIA complaint immediately as they can freeze scammer's accounts. Success rate is higher for recent transactions and when scammer uses Pakistani bank accounts.

❓ What information do I need to report fraud?

You need: scammer's contact details (phone, email, website), complete timeline of events, all communication records (screenshots, messages), financial transaction details, bank receipts, your CNIC, and any documents or agreements received from scammer.

❓ How long does FIA take to investigate fraud?

Initial review takes 2-3 days. Full investigation typically takes 2-4 weeks for simple cases, up to 3 months for complex fraud. Urgent cases involving active financial loss are prioritized. Track status online using complaint reference number.

❓ Is reporting fraud anonymous in Pakistan?

You can report anonymously on TrueCally, but official complaints to FIA, police, and banks require your identity for verification and legal proceedings. Your information is kept confidential and used only for investigation purposes.

❓ What happens to fraudsters after reporting?

FIA investigates, traces digital footprints, and identifies suspects. If evidence is sufficient, FIR is filed and suspects are arrested. Convicted fraudsters face imprisonment up to 10 years and fines up to PKR 10 million under PECA 2016 and PPC.

❓ Should I report to multiple authorities?

Yes, report to all relevant authorities for maximum impact. FIA for investigation, bank for transaction reversal, PTA for phone fraud, SECP for business fraud, police for FIR, and TrueCally for community awareness. Each serves different purpose.

❓ How to report scam messages in Pakistan?

Forward SMS to your mobile operator's spam reporting number, report to PTA at complaint.pta.gov.pk, file complaint with FIA Cyber Crime if phishing links included, and block the sender. Report number on TrueCally to warn others.

❓ Can I report fraud on behalf of someone else?

Yes, especially for elderly or vulnerable victims. You'll need their consent, complete details, and supporting documents. Family members can file complaints with proper authorization letter and victim's CNIC copy.

❓ What if the scammer is outside Pakistan?

Report to FIA Cyber Crime as they coordinate with international agencies through Interpol. Provide all details including country, contact information, and transaction records. Recovery is more challenging but reporting helps prevent others from being scammed.

❓ How to report a scam website in Pakistan?

Report to FIA Cyber Crime with complete URL and screenshots, report to Google Safe Browsing (safebrowsing.google.com), contact domain registrar's abuse department, and report to hosting provider. Include evidence of fraudulent activity.

Conclusion: Take Action Against Fraud

Knowing how to report fraud in Pakistan empowers you to protect yourself and help authorities combat financial crimes. Whether it's online fraud, bank fraud, cyber fraud, or scam numbers, immediate reporting is crucial for investigation and potential recovery.

Remember the key steps:

1. Act immediately - Time is critical for recovery

2. Document everything - Evidence is essential

3. Report to multiple authorities - FIA, bank, PTA, police

4. Follow up regularly - Track complaint status

5. Warn the community - Help protect others

6. Stay vigilant - Prevention is better than cure

Been Scammed? Report It Now!

Help protect yourself and the community by reporting fraud immediately

🚨 Report Fraud Number 📝 Report to FIA

✓ Quick Reporting ✓ Help Others ✓ Fight Fraud Together

⚠️ Important Reminder: Never share OTP codes, ATM PINs, card CVV, or personal information over phone or email. Banks never ask for these details. Always verify caller identity through official channels. Report suspicious activity immediately!

Last Updated: March 2026 | This comprehensive guide is regularly updated with latest fraud reporting procedures, contact information, and legal frameworks in Pakistan.