A call says there is a “refund” due, or a “technical issue” in your account. The fix: install an app and “let the executive see your screen to guide you”. Within minutes the executive is guiding money out of your account.
Why it matters
- Screen share with a stranger is a live broadcast of your secrets; no bank can do anything with your screen that it cannot do in its own app.
- Legitimate customer support never needs your screen to fix your account.
- The refund is always there; the exit is the trick.
How it works
Step by step
Stop confronting the caller; never insist they are a scammer out loud. Simply decline, close the call, uninstall the app if installed, and cancel/block the affected card or account credential in your bank app. That is the whole playbook.
- The caller asks you to install a remote-access or screen-sharing app.
- You are told to open your banking app or UPI app, supposedly to “confirm details”.
- The caller watches your screen — PINs, OTPs and balances — in real time.
- A transfer happens in seconds, framed as “refund processing”.
Key takeaways
- Your screen is your secret — never share it with a caller.
- Banks guide you inside their apps, never through your screen.
- Rebuild credentials the same day you uninstall.
What you should do
- Never install any app someone over the phone tells you to install.
- If you already did: uninstall it, change your UPI PIN and card PIN immediately, and inform your bank.
- Report the call at cybercrime.gov.in with the number and the app name.