If you have received an unauthorized credit of Rs. 3600 in your SBI bank saving account through Google Pay from an unknown person, Mr. A. Yadav, and you have an apprehension of fraud, here are the steps you should take:
1. **Do Not Refund Immediately**: Do not refund the amount immediately. Scammers often use this trick to get money from unsuspecting victims.
2. **Contact Your Bank**: Notify your bank about the unauthorized transaction. Visit your SBI branch or contact their customer service helpline. Provide them with all the details of the transaction, including the date, amount, and sender's information.
3. **Contact Google Pay Support**: Reach out to Google Pay customer support and report the unauthorized transaction. Provide them with the transaction details and explain your concerns about potential fraud.
4. **Check for Fraud Alerts**: Monitor your bank account and Google Pay account for any unusual activity. Ensure there are no unauthorized debits or attempts to withdraw funds.
5. **File a Police Report**: If you believe the transaction is part of a larger fraud scheme, consider filing a report with your local police. Provide them with all relevant details, including any communication you have had with Mr. A. Yadav.
6. **Consult Bank's Fraud Department**: Speak directly with the fraud department of your bank. They may have specific procedures to handle such cases and can provide further guidance.
7. **Secure Your Accounts**: Change your Google Pay and online banking passwords to something more secure. Enable two-factor authentication if you haven't already.
8. **Document Everything**: Keep detailed records of all communications and steps you take, including emails, phone calls, and screenshots of the transaction and messages.
By following these steps, you can ensure that you handle the situation carefully and minimize the risk of falling victim to fraud.