https://www.desidime.com/comments/permalink/9346718
Have u take payment from someone recently?
Help! Bank Account Debit Block by Cyber Crime Department.
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Hello Dimers,
I have Saving Account in Kotak Mahindra. Account Status showing debit block for same i have inquired in Home Branch they said account debit freeze by Intimation received from Cyber Crime Department. I am completely unaware about this why this happen with me. Bank Manager told me that we have received intimation from Cyber Crime and on that behalf we have freeze, That only information he gives which also on verbally . No any related complain and email copy gives by him.
He said, " From Cyber Crime Gujarat we have received intimation and Shared official Mobile no. But they never pick any call and respond.
For Same Multiple time i have requested on Kotak telephonic and email Support but they all refused said it's confidential and we can't share.
Account Debit freeze from 15 Jan 2023 and till date its on same. I m completely in trouble how i can resolve this.
Dimers help me .
Thanks
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Top Comments
https://www.desidime.com/comments/permalink/9346733
Yes bro, i have did this on regular basis. Sending and Receiving money on UPI.
View 9
more replies
https://www.desidime.com/comments/permalink/9346884
Have you made any transaction with your debit card on any new site and didn't attend the transaction monitoring call.
https://www.desidime.com/comments/permalink/9346893
4 years back I loaded 10k from kotak 811 debit card to load the mobikwik wallet and they did a debit freeze. To unfreeze it they asked me to visit the branch with kyc docs. I redid the kyc. Then again they visited my house for physical verification.
After two weeks they visited my home when I was not present and asked for the kyc details from my family. Then finally unfreeze my account.
The reason they said was i haven't attended the transaction monitoring call when the bank tries to verify the identity. They just unblocked my account for fund transfer and they didn't unblock the debit card till now.
https://www.desidime.com/comments/permalink/9346915
I had read about multiple such instances happening in Kerala
https://www.onmanorama.com/news/kerala/2023/04/...
https://www.onmanorama.com/news/kerala/2023/04/...
The resolution given there was to contact the cyber cell at 1930. If it is Gujarat Cyber cell, you could possibly try finding out options online.
https://www.desidime.com/comments/permalink/9346917
It's law enforcement matter so RBI ombudsman has nothing to do. Approaching high court may be the proper idea.
https://www.desidime.com/comments/permalink/9346920
File RTI to that Gujarat cybercrime department seeking your case and investigation progress details. They may disclose or not depends
https://www.desidime.com/comments/permalink/9346926
Mango people 🥹
Inquiring in cyber crime department is the only solution imo.
https://www.desidime.com/comments/permalink/9347107
I have heard about bank a/c s frozen based on instructions from cyber police
- In case of cyber crimes the bank a/c s involved & a/c s to which money is transferred from the above
- In case of suspicious foreign remittances
https://www.desidime.com/comments/permalink/9347312
How these things are practically possible in Real Life.
Person A does fraud and Illegal activity and gets money transferred in his Account A by fraud means. Then person A calls person B for Dubai Family Trip tickets and Transfer money 1 Lakh to Person B in his account B and gets confirmed tickets against it.
If Cyber crime department is tracking chain links or money travel route then
Rip Person B and his account B whose genuine money 50 Lakhs lying in Current account already.
https://www.desidime.com/comments/permalink/9347164
@Agnivo007 as per the present scenario, he is the suspect not the complainant so we can't ask any agencies to coperate or cordinate with him, at the most we can seek the updates of the case progress that too whether those agencies accede to such requests or not depends on their mercy unless the writ jurisdiction of the high court is invoked. I hope you can understand.
https://www.desidime.com/comments/permalink/9347171
Yes, but sometimes "magic" happens on invoking a higher authority... and "lucky" is also a word that comes by in such cases..
https://www.desidime.com/comments/permalink/9347167
Similar thing happened with my paytm.. Forget it now or physically visit the police station that directed bank to freeze..
https://www.desidime.com/comments/permalink/9347226
File rti with RBI asking what are the rules and regulations in such scenario. Also send a copy to the bank marked FYI so that they know you are now moving ahead methodically so that they atleast move their ass n guide you. File RTI with which ever authority has instructed the freeze asking case status and what are the steps to be followed by you to get the account unfreezed. Also ask under what rules regulations section act the freeze was ordered and ask for a copy of order so as to approach courts to get the account unfreeze. Btw a lawyer told me he never banks with any pvt banks as you can't RTI them. Personally using RTI had gotten a sarkari bank to cough up pretty good amount, even by today's standard, of stuck money 15 years bank ago. Otoh a pvt Bank dint give a shit even when legal notice was served.
https://www.desidime.com/comments/permalink/9347311
How these things are practically possible in Real Life.
Person A does fraud and Illegal activity and gets money transferred in Account A by fraud means. Then person A calls person B for Dubai Family Trip and Transfer money 1 Lakh to Person B in his account B and gets confirmed tickets.
Rip Person B and his account B lying 50 Lakhs already in Current account.
https://www.desidime.com/comments/permalink/9347335
6 months Tak bank letter head pe written mein naa de with basic statement that "your account is debit freeze due to instructions Received from Crime Dept" . Aisa ho hi nahin sakta.
First step hai yeh and bankholder ka right hai yeh.
Issi ke uppar case built hoga.
How can you cordinate with several dept further if basic certificate provision from bank is missing.
Itna Paisa bank ne block kar Diya hai they should be answerable in writing to the consumer
https://www.desidime.com/comments/permalink/9347343
Iam sharing a youtube video . This guy also faces something similar.. have a watch. Maybe of some help
https://www.desidime.com/comments/permalink/9347361
After going through this video, I got some awareness.
I am sure my all earlier assumptions were wrong.
I take back all my statements.
I have wrongly done serious accusation on @paytm69 .
Kindly ignore my all earlier comments in this thread.
This is India. Anything can happen to anyone doneby anyone. Anything can be done by Police. Bank can be so non cooperative to a innocent Person I am surprised. I am really very very sorry @paytm69
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https://www.desidime.com/comments/permalink/9347508
it is quite normal problem nowadays, for this just a simple solution don't ever recieve payments from unknown persons in primary account or in any account, try paytm merchant, or any buisness account..
as for you : if you are sure that you didn't done any illegal thing then your account may unblock by contacting the said cyberteam
this problem normally happens to people who send or recieve payments like of bettings on telegrams, etc,
there are 2 type of cases in this,
1. someone sent you money and then you didn't fullfil his need or whatever it is, he then asked for his money but you denied, then he filed a cybercase, your account got frozen
2. some scammers nowadays sent money to people then file a case, and then ask money in return of withdrawing the case
one more way account can get blocked - suppose you recieved payment from X, and someone Y filed a cyber case on X, now X's bank account is frozen and all the people who recieved fund from X in the meantime, their acccounts will also get blocked..
normally either the person who filed complaint or the cyberpolice will call or contact you on telegram/whatsapp and ask you money
One more scam going on nowadays is scammers extorting money by blacking to file a fir or cyber complaint against you, they also send fake fir's or complaints or they claim that their relative is someone at high post in police, they ask for money
HOW TO BE SAFE : don't recieve payments from unkonwn persons directly in bank account or persons who you know that he is doing shady things
also if you take payments in your secondary account then don't just directly transfer money to your primary account as if your secondry account got blocked then your primary account will aslo get blocked, try different means like via wallet router or cash withdrawl route
if you are doing shady things, then you clearly know that this might happen, or maybe extortions.. normally this type of account block doesn't get removed unless cyberteam ask bank to unblock..
https://www.desidime.com/comments/permalink/9347621
In india there is saying 'process is punishment'.
For every case related to police or court, even if you are innocent. The whole process of proving your innocence is itself a big mentally, physically and financially exhausting process.
Just go to youtube and search for those people who have their account frozen merely for ₹100-200 transaction. And burden of proof is not on police/cyber crime, its on the accused itself. Those who have done proving their innocence and made their account unfrozen. Just read their stories . Sure will make you hate the system.
https://www.desidime.com/comments/permalink/9347870
while govt focusing on digital india with upi, if some shopkeeper's account got frozen cz he received illegal money for someone who he don't even know, then why would people take money directly in bank account? better we go back to cash only days !!
https://www.desidime.com/comments/permalink/9347695
BTW, this brings up a thought: Which bank account would be preferred considering this, I mean which bank is harder to freeze by the cyber cell over such random issues ? Also need to consider which bank might be helpful is resolving such issues ?
https://www.desidime.com/comments/permalink/9348173
Everyday i wake up and hear some new kind of scam happening.. Can only happen in india
https://www.desidime.com/comments/permalink/9348952
This Kotak Mahindra bank is crap. One debit card clone fraud happened with me of ₹7000 even after all the proofs and waiting for 3 months for their investigation to complete they denied any fraud happened.
Clone Fraud happened at 10 AM in Vashi, I reached Kotak Bank at 10:20 AM in Dombivali with that debit card, how can someone swipe their card so far distance & reach for complain. Damn, this bank is waste, don't keep higher amount in Kotak Bank. Always go with top 3 banks for primary accounts, If private then HDFC / ICICI, If PSU then SBI / BOB.
P. S :- It is 2018 story that time I was new to online stuff hence was not aware about RBI Ombudsman.
https://www.desidime.com/comments/permalink/9348983
Ek baat bataun
SBI mein jitne Yono app and SBI DC fraud hote Hain naa utne kisi bank main nahin hote
https://www.desidime.com/comments/permalink/9349095
Sam issue faced my frd also in sbi acc ,he don't know anything means illiterate and he's staying in tier 3 city and I am trying to call cyber cell they gave hyderabad police station number after many calls they r not respond finally he leaves his acc amount 2k,
https://www.desidime.com/comments/permalink/9349259
Exactly this is BS .....Cyber Cell don't care about all this, they just block the whole chain if some kind of fraud money has been credited or rotated. ( Many innocent people are in this chain who unknowingly received the fraud money)
And on single notice, Pvt banks immediately debit freeze the account and Govt banks usually issue a lien of suspected amount. Heard lot of cases recently, i found most of them are from Telegram scams and crypto scams. (Scammers are simply buying USDT using P2P method with scammed money and the opposite party who sells USDT get his/her account banned like this guy after victim complaint to cybercell (whose money was stolen using call centre scam etc.)
https://www.desidime.com/comments/permalink/9349152
Ok I had my SC acc. Freeze in one of my acc. Back in 2018. It was third party scam.
There were two options back then -
1. Go to resolve and settle the complaint
2. Giveaway to cyber request & authorize refund to remove freeze
I had to choose option 2 considering the time/efforts & amount involved
To OP, option 1 is very tedious process & if amount involved is minimal & you can bear that loss go with option 2
https://www.desidime.com/comments/permalink/9349273
Visit Gujarat cyber crime office You need to be there with someone of ur family or friend in case but least chance they detain you.
Resolve the issue with them there are dalalas there to help you solve same issues.
https://www.desidime.com/comments/permalink/9353435
Shud i inform the bank beforehand if we have recieved money through such suspected scam ?? I have recieved some money through part time jobs for watching videos liking insta handles. The money recieved in my bank account are from individual bank accounts which seems fishy.
https://www.desidime.com/comments/permalink/9353484
You make any type of friendshop with bank, no matter how much you assure them in advance. Once they get email from Cyber Dept. They will surely show their true colours. Nobody can stop bank to put debit freeze
View 7
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https://www.desidime.com/comments/permalink/9353660
Also can anybody share me a cyber crime link where I can report the same.
https://www.desidime.com/comments/permalink/9353714
Why would to go to cyber crime without anything happening. Reverse psychology wont work. They will say the same thing. If anything comes to them they will get back to you.
https://www.desidime.com/comments/permalink/9353705
I would suggest op to contact local cyber crime dept and take the issue from there. Visit the office physically to know whats going on.
https://www.desidime.com/comments/permalink/9354479
https://www.desidime.com/discussions/bank-accou...
My friend's experience noted in above thread. Its been close to 8 months and account is still blocked. HE stays in Interior region of Karnataka and complaint filled in some city of Gujarat. Good luck to you @paytm69
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If you see carefully
There is a gap in story given here above by OP.( I am assuming)
Money received regular basis - From whom and Why - Purpose not very clear
Then directly jumping to Kotak Support.
It's been 6 months he posted this post now. What conversation has been done in 6 months with bank is not clear. No dealing with Nodal, Greivances, CEO,RBI, Cyber
There could be repeated offences that might have happened in his account. He (Op) might knew that those people who are sending him money are not good people. I book 75 Lakh worth travel tickets a year. I don't know money coming in my account through Gpay/ Phonepe/ Paytm is Stolen from someone's account or hard earned money. Maybe once in a lifetime everyone has taken money in their account which was sent by a fraud or money earned by doing fraud. Only repeated fraud money users/ receivers can alarm/ trigger Cyber Dept. Action.
Aise toh main online fraud karke SSP/ DiG/ Chief Minister ko Google pay kardun.Thodi na unka account band ho jaayega.
Something is being hidden here.
Op could be busy too that he couldn't explain the whole story in detail. Sorry if I misunderstood the case .
Iam sharing a youtube video . This guy also faces something similar.. have a watch. Maybe of some help
After going through this video, I got some awareness.
I am sure my all earlier assumptions were wrong.
I take back all my statements.
I have wrongly done serious accusation on @paytm69 .
Kindly ignore my all earlier comments in this thread.
This is India. Anything can happen to anyone doneby anyone. Anything can be done by Police. Bank can be so non cooperative to a innocent Person I am surprised. I am really very very sorry @paytm69
the issue at hand :
Earlier A from Chennai dupes B from Gujarat and transfers the money to his account and later routes it to C in Assam. B has no way to get back the money due to various jurisdictions and the no. of banks involved. Simply put there was no coordination among the enforcement agencies of state nor banks.
Precious time will be lost on the investigation itself and the money would have been taken out before anything material could happen in this case.
Now they have found a solution for this
National Cyber Crime Reporting Portal.
This portal now brings on board the security agencies of different states and financial institutions such as banks under a single platform.
A cyber crime reported in gujarat is thereafter tracked by transaction monitoring cells of different banks at head office level and is reported almost realtime to agencies in the portal. The agencies then and there request the banks to put a hold on these funds till they say otherwise (i presume till the investigation is over).
The issue here is that the police valas who give such instructions rarely come back and revoke the same at a later stage on the portal. As someone said earlier, its very hard to get a resolution from them directly aswell unless you can go there physically and present your case.
The banks have no option and have no role here they are just doing what the enforcement agencies say. Bank's can't advocate your case before them its not how things work - you will have to do it on your own or get help from a court of law instructing the bank to lift the lein.