Help! Bank Account Debit Block by Cyber Crime Department.

rockhandsome wrote:

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

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..

urmila.contact wrote:

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

this kind of thing rarely happens to innocent people, this is quite common  for people who clearly know that they are doing shady things..

also if it happens to a innocent person then he doesn't have to fear, he can directly ask the cybercell nearby why this happened and even file a complaint if some scammer filed a fake complaint to freeze his account or if some cybercell is doing this for extortion.

in 99.99% cases this happens to people who are doing shady things, and they know they can be in trouble, so these scammers or sometimes scammers+cybercell easily extort money from these people..

in some cases innocent people recieve payments from their friend or some known person, who is doing something shady then that might also led to this..

Better to be safe then sorry as there are 1000's type of scams going on nowadays

urmila.contact wrote:
Aise toh main online fraud karke SSP/ DiG/ Chief Minister ko Google pay kardun.Thodi na unka account band ho jaayega.

Unfortunately, this is exactly what's happening today... Anyone, who is receiving money from an account which has traded in crypto or fraud, is getting blocked by Cyber IT. There has been an infinite number of such cases being reported since past year. Innocent people, who simply received money from someone else who allegedly committed fraud, are suffering !

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.

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 ?

rockhandsome wrote:

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.

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 !! 

Everyday i wake up and hear some new kind of scam happening.. Can only happen in india

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.

shh_my_dog_is_sleeping wrote:

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.

Ek baat bataun

SBI mein jitne Yono app and SBI DC fraud hote Hain naa utne kisi bank main nahin hote

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,

How a shopkeeper will know if the other person got money from fraudulent ways?  His account will be banned and buisness stops for months. Yea sab anokhey idea Indian police hi soch sakti hey. 

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

Simbha3 wrote:

How a shopkeeper will know if the other person got money from fraudulent ways?  His account will be banned and buisness stops for months. Yea sab anokhey idea Indian police hi soch sakti hey. 

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. 

BUDHRAJ0 wrote:

this kind of thing rarely happens to innocent people, this is quite common  for people who clearly know that they are doing shady things..

also if it happens to a innocent person then he doesn't have to fear, he can directly ask the cybercell nearby why this happened and even file a complaint if some scammer filed a fake complaint to freeze his account or if some cybercell is doing this for extortion.

in 99.99% cases this happens to people who are doing shady things, and they know they can be in trouble, so these scammers or sometimes scammers+cybercell easily extort money from these people..

in some cases innocent people recieve payments from their friend or some known person, who is doing something shady then that might also led to this..

Better to be safe then sorry as there are 1000's type of scams going on nowadays

No it's not 99.99% that it happens to people who do shady things

Cybercrime department is doing chain freeze that is freezing money that is suspected to be of frauds

I have read multiple cases and also seen this happen with known one in Crypto P2P transfers
There is 1 Person A -> Earning Salary and pays his taxes and all
Bought some USDT few months back

Then there is Fraud person F -> Got illegal money through scams and what not
F goes to Cryptocurrency exchanges and wants to buy USDT -> Person A was looking to sell some USDT now he bought few months back

Now A has no way to know that F is fraud [ reviews are good there and all ]
So A sells USDT to F and receives money from F

What A spent earlier to buy USDT was from his income from salary - legal money
What A got now post selling USDT is fraud money -> thanks to Fraudster while A was unaware

Fraud F has now got rid of fraud money and he will sell USDT few months later or through different means in other bank account of other person -> will most probably receive legal money from real person

Few months later Cybercrime traces this money and finds it was last settled in bank account of A -> Account of A put under freeze

Also this isn't happening only with people selling USDT -> there may be multiple other sources where you can get it -> point you might not be doing wrong thing and still be punished
Only solution is to have proof from whom you received -> for what purpose and present it to department for consideration to unfreeze stating you aren't doing and thing wrong but you are just carrying out your normal business.

Rest all depends on your luck and connections

Neo53 wrote:
No it's not 99.99% that it happens to people who do shady things

Cybercrime department is doing chain freeze that is freezing money that is suspected to be of frauds

I have read multiple cases and also seen this happen with known one in Crypto P2P transfers
There is 1 Person A -> Earning Salary and pays his taxes and all
Bought some USDT few months back

Then there is Fraud person F -> Got illegal money through scams and what not
F goes to Cryptocurrency exchanges and wants to buy USDT -> Person A was looking to sell some USDT now he bought few months back

Now A has no way to know that F is fraud [ reviews are good there and all ]
So A sells USDT to F and receives money from F

What A spent earlier to buy USDT was from his income from salary - legal money
What A got now post selling USDT is fraud money -> thanks to Fraudster while A was unaware

Fraud F has now got rid of fraud money and he will sell USDT few months later or through different means in other bank account of other person -> will most probably receive legal money from real person

Few months later Cybercrime traces this money and finds it was last settled in bank account of A -> Account of A put under freeze

Also this isn't happening only with people selling USDT -> there may be multiple other sources where you can get it -> point you might not be doing wrong thing and still be punished
Only solution is to have proof from whom you received -> for what purpose and present it to department for consideration to unfreeze stating you aren't doing and thing wrong but you are just carrying out your normal business.

Rest all depends on your luck and connections

that's why i said, sometimes even if we didn't do anything but we know someone is doing shady things and recieved payment from him, then chain freeze will happen...

as for crypto, who recieves or send money from their primary account everyone use secondary accounts( well i didn't know that debit freeze due to crypto is that high)

good way to avoid this is not recieving payments in primary account, best way is recieve payment in merchant accounts( but don't set instant settlement)..

nowadays all people have 2-3 bank accounts, then why risk the primary account

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.

soumyadhar wrote:

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.

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

urmila.contact wrote:

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

Then I shud report to cybercrime beforehand  to b safe

soumyadhar wrote:
Then I shud report to cybercrime beforehand  to b safe

First thing you should do is to empty that account. Not through online transfer or UPI but cash withdrawal and deposit to other bank account. After that you can think of something.

soumyadhar wrote:
Then I shud report to cybercrime beforehand  to b safe

move all your fund to another account. 

soumyadhar wrote:
Then I shud report to cybercrime beforehand  to b safe

Kuch nahin hoga
Aapka record kon yaad rakhega
Let's say if you tell them your account number is XYZ
After 6 months when they try to Block/ freeze account
How they are going to remember not to block your account?

pikkuboss wrote:

First thing you should do is to empty that account. Not through online transfer or UPI but cash withdrawal and deposit to other bank account. After that you can think of something.

It's my secondary account and it's empty. Paid bills with the amt received.

urmila.contact wrote:
Kuch nahin hoga
Aapka record kon yaad rakhega
Let's say if you tell them your account number is XYZ
After 6 months when they try to Block/ freeze account
How they are going to remember not to block your account?

Aree bhai thoda kuch positive bhi bol Diya Karo. Also if I report to cyber crime it will be less hassle in the event if they freeze my account.

Also can anybody share me a cyber crime link where I can report the same.

soumyadhar wrote:

Aree bhai thoda kuch positive bhi bol Diya Karo. Also if I report to cyber crime it will be less hassle in the event if they freeze my account.

Okay go ahead

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.

soumyadhar wrote:

Also can anybody share me a cyber crime link where I can report the same.

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/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