Indian law, explained from the source.
A UPI payment you made by mistake cannot simply be reversed, but your bank can ask the receiver's bank to return it. Here is the complaint route, and what the law says if the receiver refuses.
For a cognizable offence, the police must register your FIR. Section 173 of the BNSS lets you report at any police station, and gives you steps to take if they refuse.
Call 1930, report on cybercrime.gov.in and tell your bank in writing, fast. RBI rules limit what you lose if you report an unauthorised transaction within three working days.
Any citizen can ask a government office for information under the Right to Information Act, 2005. Here is how to write the application, what it costs, how long the reply takes, and how to appeal.
Defective product, poor service or overcharging? Under the Consumer Protection Act, 2019 you can complain to the company, try the National Consumer Helpline, and then file online at a Consumer Commission through e-Daakhil.
A bounced cheque can be a criminal offence under Section 138 of the Negotiable Instruments Act, 1881, but only if you follow strict deadlines: notice within 30 days, then a complaint within one month after the 15-day payment window.