Kotak account debit freeze please help

Contact Branch as its written in your mail

done any vrypto related stuff, or recent high trnsacion?

then most probably a false flagging,as upi trnafer between two account fo sam pan shoud not trigger this warning

So now how should I proceed should I meet branch manager tomorrow or drop email to kotak customer support and what documents should i bring as i am a student i don't have any income source so i cannot file income tax form or something 

As Per Mentioned on Site..

https://www.kotak.com/en/stories-in-focus/accou...

Oopsy.. debit freeze is unbearable.. how will you clear your dues and maintain daily life..

Renew your KYC

I reached kotak customer care on Twitter they replied

Hi! As per our check your account is in debit freeze reason being TXN PATTERN MISMATCH VIS-A-VIS DECLARED PROFILE. We request you to visit any of our nearest branch to unfreeze your account along with valid id proofs (Physical copy). Kindly refer this link https://kotak.com/en/reach-u...ml to find the nearest branch as per your location. ^Team Kotak

Now tomorrow i will visit my bank branch with pan and aadhar card and see what bank manager has to say 

Bajaj Wallet To Bank Transfer There Are Issues , Icici Also Freezing For This Bajaj Transfer.

Recently Dimer Mentioned

If you didn't attend the transaction monitoring call then your account will be freezed by kotak. You need to visit the branch to unfreeze. They may ask you to do re-kyc if needed.

Is it your prepaid card or savings account mine was Spendz please tell me the process whenever you get ride on it because I haven't visited my branch yet as I am not at my home town in Delhi i visited janakpuri branch the staff was very non cooperative they said need to visit home branch we can't help 🤦

All these online accounts like kotak 811, Fi, Jupiter etc have limits with or without kyc. Too many transactions, cashbacks etc always lead to account blocks.

Fastest way to unfreeze is to visit the branch, I had similar issue with RBL, mail etc didn't work, I visited branch and they unfreezed it instantly.

increase your declared income that you have submitted while opening that bank account so that volume of transactions commensurate to income declared.

I visited the branch today they asked my pan card aadhar card and letter regarding the transaction after submitting they said they will do address verification and i should be present during verification and when i asked about when they will unfreezing they didn't give any date just said it will take time 

Anyone here has any experience of Kotak bank account freeze for crypto related transactions? If yes, what was your experience.

I got call from bank branch today they td me to come to branch and they asked me 6 months SBI statement then after I got statement now they are asking me to close account and move Balance to another bank but I said no they are threatening me saying I will recieve legal notice I said go on i am going to escalate this complaint 

If you know those who know about this issue someone please tag them now how should I proceed i doubt they will send legal notice for transfer between two savings account or will i receive income tax or rbi notice 

Branch chale jao documents lekar, ho jayga unfreeze

@abhishek012 Bhai RBL to esa hi nhi hai??

Now i told me to my dad he is saying me to close the account he doesn't want income tax department rbi problem 

Best way is to close account immediately 

Guys please advise what should I do my dad is angry on me he is saying that I don't know rules bank manager should know rules that's why he said that and i should go and apologize to him and close account i never did anything wrong a little threat from bank manager my dad is scared telling me to apologise any idea guys someone tell me should i create another thread for the issue?

If i knew that i would get so many problems i would have never done UPI transfer offers i thought that transfer between savings account with same pan card don't get freeze problems because it's your own money you are transferring 

By the way I complained on Twitter when I got out of bank now I want to take back the complaint on Twitter because dad said don't make matter big i am having so much tension now he doesn't know about my Twitter escalation I did it when i stepped out of Branch now what should I do I am feeling very bad and stressed now feeling like nausea and blackout like feeling when thinking about this 

Jana Bank freezed my account on 15th Feb and I visited branch 2 times, wrote an application to unfreeze and at least 5 times called customer care, also mailed to their grievance redressal team, still no luck. Too many freezing of accounts going on recently. 

Update: guys mine got fixed after complaining to KotakBankLtd and KotakCares handle on Twitter. They fixed it and told me to remove the card from BHIM and link it again.

This account debt freeze happens when you do lot of UPI transactions which is not easy to track by BANK (this is the reason they said when my axis account was debt freezed) 

I had to give written declaration BY VISITING BRANCH with proper proofs of what my UPI transactions are .. along with my KYC to get my account unfreezed in axis

so avoid using too many UPI transactions ... eg dont cross more than 1 lakh per month (when adding all upi transactions) or else you will be screwed at the unforeseen time of EMI autodebit

you can do lot of NEFT or IMPS but UPI over a limit will be watched by risk management team (axis risk management team watched my account lol)

So be considerate on your UPI transactions and your account wont get debt freezed in future

This freezing happens to avoid illegal transactions and to mitigate risk by the bank team, I think RBI instructed banks to look into this lol

Hope this info helps

@Sharu101 Sharu101

Note: once account freeze happens only way is visiting branch physically to clear it... as bank wants to check you in person when getting proofs and self declaration from you just this one time (standard procedure i think) 

Note 2: make sure you wont get debt freeze again by keeping UPI transactions a little lesser and within 1lakh per month

@Sharu101

If you want to avoid problems, it is recommended that you avoid engaging in any conflicts with Kotak. As long as your money is not involved in any illegal activities such as money laundering, terrorism, drugs, or gambling, you will not receive any notices from the RBI or IT department. The advantage is that you can easily demonstrate this to anyone. So, there is no need to worry about any negative consequences for you or your family. However, it is important to note that dealing with this situation will require a significant amount of your time. You have the option to file a complaint with the RBI and even request compensation for any mental distress caused. Rest assured, you will ultimately come out victorious. 

On the other hand, if you prefer peace and want to avoid unnecessary headaches for yourself and your family, it would be wise to listen to BM's advice and transfer your funds and close the account as per your father and family's wishes.