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UHello everyone,
Last Friday my father’s bank account fot freeze and thought it would just be a kyc issue with bank (SBI) so we went to sbi bank on Monday and upon waiting for 1 hour and submiting the kyc details they said that my father’s account cannot be unfreeze as they have orders from cyber crime department, vishakhapatamam, Andhrapradesh (wtf?)
They said that some one must have transferred some amount to my dad’s account and they showed use the copy of the orders there are some many other account numbers along with ours..
My father is an government employee and he takes care of every single penny credited or debited to his account and writes it into his diary at the end of the day so if any suspicious amount has credited he would have knew right?
And the bank employee gave me the mobile number and email of the cyber crime department from which they got the orders from, upon calling the number, no one recieved at First and after 10 calls finally someone recieved I told them that my account got frozen and tha bank gave me this number they asked me send my bank account number to his WhatsApp…. I did I called him 10 times again to know the reason but no one picked even Messaged on WhatsApp but no success and today upon talking with him he said that “suno babu your account has freezed right? Just refund the amount to the victim and I will unfreeze it” my father told him that there are no suspicious activities as I take care of each and every transaction by myself…. And he asked me again o refund to the victim… And at the end he even told me that if I wanna talk like that just come visit them at vishakhapatnam andhrapradesh bruhh I live in Gujarat…..
Bruhhh my father haven’t even got single penny as a suspicious transaction???
Additionally i have mailed the vishakhapatamam cyber crime department just now
And upon visiting bank to today to double check the same the bank said that we can’t provide you the statement as we have orders… And neither can I open the yono sbi app and check the statement
What should we do?
What would be the next procedure to unfreeze my father’s account? -
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RNAL.
I think there is a court ruling you need to find that only disputed amount can be put hold on and rest of the money can be permitted. I strongly feel that police guy needs some money.
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UI don’t think the police guy needs some money his number is listed on the vishakhapatnam police website itself and he doesn’t seem to care about my case
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SJust file a writ petition in the high court. Even if there was such a claim, the bank can only freeze that amount in the account. There is a kerala high court judgement to a similar effect. It could be used as a persuasive precedent. That’s the only way otherwise the authorities will force you to run around in circles.
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RLawyer here.
Currently appearing for a client in a similar case. There are strict guidelines from several High Courts stating that in case of a cyber crime reported like you said, the receiver’s entire bank account cannot be frozen. Only the amount of money involved in the financial fraud can be frozen.
So write a request letter to the District Police Chief/Superintendent of Police of your District in Gujarat and request him to issue a direction to the Andhra Pradesh police to remove the hold on your father’s account and freeze the disputed amount only if needed. Mention the FIR number registered by the Andhra Pradesh police.
If this is ignored, you will have to approach the Gujarat High Court and file a writ petition to unfreeze the account. This will work.
Also, we do not know if the bank received directions to block the entire account or the specific quantum of amount only. So go to the bank and ask them to provide you with a copy of the directions they received from Andhra Pradesh police. If the bank refuses, you can file a complaint against them before the District Consumer Disputes Redressal Commission.
If all these are getting overwhelming for you, kindly meet with an advocate and he will take care of the rest.
Please note that the cyber crime registered by the Andhra Pradesh police is going to go on for a significant amount of time and unless you intervene in the matter, the account is going to remain blocked. The police are not going to give any concern on whether your account should be unblocked or not.
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UThe sbi bank employee showed me the actual copy of the FIR That the police handed over the sbi and it stated “full debit freeze” and the scam was 37 lakh rupees
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UJust check with your father, Whether he gave the cash to a random stranger then that Stanger transferred the same amount to your father’s account … This is a common scam happening across India …Then that random stranger filed a Cyber Case against your father for that disputed amount …. My Account is still frozen, however I fell for the P2P scam which is related to crypto P2P … Only the disputed amount is supposed to freeze not the entire bank account … You can check with the Bank Nodal office and raise a complaint with the RBI ombudsmen… They will put a lien instead of a total debit freeze…
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UThe bank showed me the actual FIR the police handed over to them via email and it stated total debit freeze
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UYes .. in the FIR..you will find the LAYER of the chain and Disputed amount … If it is a small amount, I would suggest to return the money … Even though we are not scammers, unfortunately scam money somehow reached our accounts… According to the cyber Crime guys We are accountable… My case is too bad, I said I will return the disputed amount still the Investigating officer rejected my request and asked me to wait … It’s been one year … Three bank accounts put on lien …
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SOhhh could you brief more on what happened about the crypto p2p case? You bought crypto using P2P?
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SYour father may have taken the money from someone who received it fraudulently…there is nothing you can do; it will take years to unfreeze account.Simply give the money to the victim and finish it all…
I had the same experience…my account was frozen by Gujarat Cybercell. Fortunately, I only had 13,000 in my bank account. I, too, received an email for kyc…I did kyc, and then they gave me the number of Gujarat Cybercell…
When I called them, they said you had received 5,000 from a 6 lakh (fraud)…I said I had not received any fraudulent funds…then they said you are the 236th person…the money has been distributed, and we have frozen every account in which the money is .They told me to come there in person to unfreeze and sign a letter stating that I had not received any funds directly and might have to stay there for help in an investigation.I sad all this nonsense was not worth 13,000 and you can Simply keep it…
I live in Chhattisgarh and have a job.Going to Gujarat will cost me more than 13,000.
To date, the amount is still in the bank and in freeze mode.In your case..you can tell them to unfeeeze the remaining amount but you are totally on their mercy
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UThe bank employee showed me the fir they got via email and it stated “full debit freeze ” in my father account and bruh this time the scam is 37 lakhs
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SAnd how much does your father have? If it is not much, you can simply close the account; if not, it will be disastrous because no one will be able to unfreeze it until the case is resolved (at least years).
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FAsk the cybercell and bank to identify the fraudulent transaction and the amount. Reverse the transaction and get your account unfrozen. Never ever accept money via UPI. I simply do not receive or pay money via UPI. It’s not worth the hassle.
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UThere was no such acknowledgement number i could find in the official order they handed over to sbi and the same is what they showed to me
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RApproach the court through a lawyer. Cyber police are running this scam these days by being in cahoots with the criminals. Don’t cede to their demands. Take the legal route. Meanwhile open another account to carry out day to day activities.
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UJust checked with my father that he cannot open another “salary account” with other bank if one is already opened and now will move on with “regular savings account” and let go all the privileges that he get from the “salary account” as a government employee
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UBrother just meet the Chief Manager or branch manager of that branch and then if he is not able to solve your problem then look for regional manager details which is usually present inside the branch and write a written complaint addressing separately them and make them acknowledge of your complaint if they are not able to solve your problem say you’ll go to banking ombudsman with your complaint. Technically they can only put hold on the suspicious transaction amount and not put partial freeze on your account. If so ask for the police order which is usually mailed to the branch. You can also approach Deputy general manager which is higher authority over regional manager. Just write repeated letters to banking ombudsman and they can really rattle up bank managers and police as so.
Just say them that if any suspicious transaction amount is credited to your father account just put a hold on that particular amount and not put partial freeze on account.
These investigations usually take time and dont have to worry about any suspicious amount getting credited to your account if your father is innocent.Do not get involved with the police as they are really assholes and nobody to check accountability of their activities or actions.
Only banking ombudsman can keep a practical check on banking system.
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UI am near vishakapatnam. I can talk local language if you need.
Get every details from bank. FIR copy, your bank statement, the fraud transaction. Also, you did not mention if any amount is withdrawn within that period. If yes, they might be after that amount which u did not notice that it was due to a wrong transaction.
You can send the email to the bank officials and escalate the issue with these details. They can have a check from their end if there is any actual transaction that happened and if it can be reversed.
As others suggested, don’t panic, consult a lawyer after you get all these details.
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CIn my case, I was in an emergency and sold my usdt on binance . The money I got was reported by cyber and money on my account got hold. Even to the people I sent money their accounts got hold as well with the money only. Fortunately no debit wasn’t the case.
Still I’m confused and tired thinking what to do -
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ASee if there are any crypto transactions by any chance. Our Govt doesn’t like us to invest in Crypto. They froze my three bank accounts.
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UNah never did any p2p as the bank employee showed us the documents the andrapradesh cyber police handed over to them as it turns out some girl gave 37 lakhs rupees to a scammer and that scammer laundered the money and spread to so many different accounts and hence everyone in this chain have their bank account frozen
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UApproach RBI ombudsman.
But before that, raise the complaint with bank itself.
Get details of the transactions done in the account and figure out the unauthorised transaction. Write to bank to freeze only the unauthorised transaction and not the whole amount. Wait for 30 days and raise the same complaint to RBI ombudsman. -
UHi, does anyone know whether we can withdraw the remaining balance from the account (hold 20k) (balance 30k)
Can I withdraw or use the 30k?
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DHello Guys, I withdrew my money from a betting site in march 2024 from named reddybook in my hdfc account, but after 6 months i received hdfc email that my account has been put under debit freeze, but that I time I didn’t focused on to it that much and left is as it was my saving account, but now in January 2025 when my cc limit time came near for renew, My Rm told me I have to get my saving account defreeze, otherwise after renew of limit they will have to put no debit on this account also due to internal policy of money mule. And when I contacted bank I got to know that this money I received was part of a fraud account and its in 4th layer, As I already used that money in credit card payment of mine, which was stated in 5th layer, and now bank gave me 2 officer contacts one of delhi and one of goa, both handling same transaction. I have already deposited disputed amount in my saving account back, and I contacted Delhi cyber, he told me that if we will recover amount from your bank account it will take 2 months and several notices to court jisma apka ghar bhi police askti ha, and he is asking to return the money back to victim but not in his account, he is asking me to hand him over the cash to him in delhi and then he will provide me noc, which I think is completely wrong. And the goa officer only picked my call once and said he will talk to his superior regarding recovering amount from my bank account, after that he is not picking calls. And now I am struck, my cc is also put on no debit due to hdfc internal policy. I don’t know what to do. Any help please guys? Any suggestions?
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