Account Access scam guide
SIM swap fraud
SIM swap fraud happens when attackers get a duplicate SIM or eSIM control, then reset accounts or approve transactions. Sudden network loss and OTP alerts are critical warning signs.
Risk signal
SIM takeover
Severity
critical
Group
Account Access
Common identifiers
Add identifiers that can be matched safely across reports, profiles, payments, and evidence without exposing unnecessary private data.
Phone number
Use the exact phone number shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Telecom complaint
Use the exact telecom complaint shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Bank alerts
Use the exact bank alerts shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Email account
Use the exact email account shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Evidence to preserve
Keep proof in original form where possible. Screenshots help, but transaction IDs, URLs, timestamps, and chat context make moderation stronger.
No-service timestamp
Capture no-service timestamp with date, time, sender, URL, or transaction context visible where possible.
SIM change SMS
Capture sim change sms with date, time, sender, URL, or transaction context visible where possible.
Bank alerts
Capture bank alerts with date, time, sender, URL, or transaction context visible where possible.
Account login emails
Capture account login emails with date, time, sender, URL, or transaction context visible where possible.
First response
These steps reduce further loss and keep your report useful for review, banking escalation, platform reporting, and official complaints.
Call telecom provider
Do this early: call telecom provider helps reduce repeat contact, preserve proof, and keep escalation options open.
Freeze banking access
Do this early: freeze banking access helps reduce repeat contact, preserve proof, and keep escalation options open.
Change passwords and recovery methods
Do this early: change passwords and recovery methods helps reduce repeat contact, preserve proof, and keep escalation options open.
Urgent money loss
If money was recently transferred, call 1930 first and raise a bank or payment-app dispute. Speed matters for fund-freeze attempts.
Privacy boundary
Do not upload OTPs, passwords, full card numbers, full Aadhaar, private documents, or unrelated intimate media. Use masked, relevant evidence whenever possible.
Related categories
Similar fraud patterns
Unauthorized login
Account takeover
Unauthorized control of email, social, wallet, marketplace, or banking accounts.
Credential capture
OTP and credential theft
Scams that trick users into sharing OTPs, PINs, passwords, card data, or recovery codes.
Fake login
Phishing link scam
Fake links that steal logins, card details, OTPs, personal data, or payment credentials.
Screen control
Remote access app fraud
Scammers make victims install screen-sharing or remote-control apps to steal money or data.
KYC panic
KYC update fraud
Fake bank, wallet, telecom, or account KYC warnings used to steal credentials or money.