Recover Fund P2P Scam in Pakistan: NCCIA/FIA Complaint

If you were doing a P2P trade on Binance or any other crypto exchange and a buyer or seller scammed you—such as not receiving the payment, or taking your crypto by sending a fake payment slip—then first of all, understand this: you are not alone.

Every month, thousands of people in Pakistan fall victim to P2P scams, and the good news is that if you take the right steps at the right time, recover fund P2P scam in Pakistan cases is often possible.

In this article, we will tell you how to recover fund P2P scam in Pakistan—from start to finish, in a completely practical and step-by-step way. This guide is for those people who have fallen victim to a scam through Binance P2P, JazzCash, Easypaisa, or bank transfer and now want to file a complaint with NCCIA (formerly FIA Cyber Crime Wing / NR3C).

Table of Contents

What is a P2P Scam and Recover Fund in Pakistan 2026

Scams happen in P2P because it does not happen directly through any exchange; instead, there is a marketplace on top of the exchange where you deal with other users to buy or sell cryptocurrency, which increases the chances of a scam.

A buyer or seller mostly scams you by showing a fake payment screenshot. They tell you, “Look at this screenshot, I have made the payment,” even though they haven’t actually made the payment. Because of this, when you click on “Release,” the exchange releases the funds from escrow and transfers them to the counter person’s account.

The second method is that the scammer confuses you in the chat box with their words and says, “I will give you a better rate than P2P, cancel this order and contact me on my WhatsApp, then I will send you the payment.” A lot of scams happen this way.

What to Do Immediately After Being P2P Scammed?

If a scam happens, immediately follow the steps given below. If you don’t do this, you might get stuck in a prolonged legal matter, so take immediate action on these steps within 30 minutes.

File an “Appeal” on the Trade Immediately

On Binance or whichever exchange the trade took place, do not cancel the order; instead, use the Appeal button so that the exchange team gets involved. We have covered the complete method for this in our guide: How to File a Binance P2P Appeal – Step-by-Step Guide 2026.

Take Screenshots of Everything

Save the scammer’s chat history, payment proof, transaction ID, sender’s name/account number, and time stamp—everything. When you file a complaint with NCCIA or FIA, you will have proof, which increases your chances of winning the case.

Call Your Bank Immediately

Call your bank’s helpline and inform them that you have fallen victim to fraud. If possible, definitely share the fake payment screenshot sent by the scammer with the bank so that the bank has full trust in you.

Prepare for an NCCIA (FIA Cyber Crime) Complaint

When the steps given above do not work, you don’t need to do anything else—do not contact the scammer or take any other steps. Now you have to directly lodge a complaint with NCCIA FIA Cyber Crime, and today’s guide topic is exactly this: How to Recover Funds from a P2P Scammer in Pakistan: Cyber Crime Circle (NCCIA) FIA, where the complete method is explained below.

FIA Cyber Crime Complaints are Now Done Through NCCIA

In 2024-2025, the Pakistan government reorganized the FIA Cyber Crime Wing (formerly known as NR3C) and made it a new independent authority called the National Cyber Crime Investigation Agency (NCCIA). This has been established under Section 51 of the Prevention of Electronic Crimes Act (PECA) 2016. This means that now if you want to file an “FIA cyber crime complaint,” technically your case is processed through the NCCIA—channels of the old FIA cyber wing are now redirected towards the NCCIA.

Understanding this is important because if you file a complaint through the old FIA method, it might take time for your fund recovery, and the organization will explain to you what I explained above, which will waste your time.

Therefore, the method to file a complaint with the NCCIA in 2026 increases your chances of getting your funds recovered quickly.

How to File a Complaint on the NCCIA Crypto Scam Report Portal — Step-by-Step

Now let’s come to the main topic: how to file a complaint on the NCCIA crypto scam report portal. Below, a step-by-step method has been explained with the help of which you can find out.

Step 1: Collect Necessary Evidence

Before filing a complaint in the NCCIA, you must have the necessary evidence with you so that the decision in your favor can be made quickly. Below, it has been told what evidence you should have:

Trade/transaction ID (Binance or whichever platform it is)
Screenshots of chat conversations
Payment receipt or bank statement
Scammer’s bank account number / JazzCash / Easypaisa number
Your CNIC and registered mobile number

Step 2: Go to the Online Portal

When you search complaint.nccia.gov.pk in Google, the official website of the NCCIA will open in front of you, from where you can file a complaint directly to the NCCIA.

Step 3: Fill Out the Form

On the portal, you have to fill in the details given below:

Full name and CNIC number
Contact number and email
Detailed chronological (in order of time) statement of the incident
URLs, account numbers, or profile links related to the scammer
Evidence attachments (screenshots, receipts)

Step 4: Save the Complaint Reference Number

When you submit the complaint, you will get a reference number of some such type (G57195..). You must keep this number safe with you because this same number will be useful for you later on.

Step 5: Confirm From the Helpline Also

If there is any confusion on the portal or you want to take guidance first, you can call the NCCIA’s 24/7 helpline at 1799. This is the easiest way for the “How to file cyber crime complaint for financial fraud” process when you want guidance before filling out the form yourself.

Step 6: Visit the Nearest Cyber Crime Reporting Centre (If Needed)

For big cases or when an in-person statement is necessary, NCCIA’s regional offices (in Karachi, Lahore, Islamabad, Peshawar, and other major cities) are available where you can go in person and file a complaint.

Recover Money from Bank Account Freeze Pakistan

What scammers do is that they freeze your bank account, meaning that when you do a P2P transaction, a scammer transfers a small payment into your account from some red-flag account, upon which you find out after getting a message from the bank that your bank account has been frozen.

Because the bank thinks that you are also somehow linked to that person’s red flag account, that is why your account also becomes red-flagged in the bank’s view. To avoid this scam, you have to follow the steps given below.

Visit the bank branch and ask them for the reason in writing.
Show the copy of the NCCIA complaint to the branch — this proves that you yourself are also a victim of this fraud, not a scammer.
Consult your lawyer if the freeze continues for a long time.
Keep patience — removing the freeze usually takes 2 to 6 weeks, depending on case complexity.

We have written a complete guide on this topic which you must read so that such situations can be avoided in the future: How to avoid bank account freeze during Binance P2P in Pakistan.

Are There Chances of Getting the Money Back?

I cannot answer this question with a simple yes or no because it depends on the exact problem you faced while doing P2P trading. If your problem is among the following, there are high chances that you will recover your money.

If the money was sent via a bank transfer and you informed the bank immediately, the chances of a freeze are higher and recovery is possible.
If the money was sent through JazzCash or Easypaisa, they have their own fraud reporting teams which should also be reported to in parallel.
If the crypto has already been transferred to another wallet, recovery becomes difficult — however, through NCCIA investigation, the account can be frozen through the exchange, which stops future withdrawals.

Here it is important to understand that many people fall into the trap of “crypto recovery agencies” who promise to get money back but are frauds themselves. To avoid this scam, be sure to read our article: Crypto Recovery Scams: Can You Get Your Stolen Cryptocurrency Back in 2026?

Conclusion

The summary of this entire article is that scams in P2P don’t just happen to you, but they also happen to professional people who have been trading for years.

However, if you have the right information, your cryptocurrency or local currency cannot be stolen so easily. Therefore, always stay safe and acquire safe education.