A man lost Rs 9,854 after falling for a fake UPI cashback scratch card scam. Federal Bank initially refunded the amount as required under RBI guidelines, then quietly reversed the credit weeks later, blaming the customer. A Kerala consumer commission has now ordered the bank to restore the full amount along with Rs 5,000 in compensation and Rs 3,000 in costs, ruling the bank failed to prove any negligence on the customer's part.