Help! Unexpected money credited to my mom’s account- What should I do?

[Mightyrider2440]

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Mightyrider2440
PARTICIPANT
March 27, 2025 at 6:05 pm

Hello!

I would be thankful if someone could kindly help me with information about my current scenario.

My mom received an unexpected credit of Rs. 10,104.00 in her HDFC Bank account today.

Here’s the bank statement entry –
UPI-ABDUL NAZAR-khabibkingnasru-3@okaxis-IOBA0002918-508622956908-UPI

We have absolutely no idea who this person is and were not expecting any money from anyone.

We are from Haryana. Got to know from his ifsc code that his bank is in Tamil Nadu.

He sent money via gpay. Don’t know if he sent it using account number or what as I can’t find this transaction in transaction history in any of the upi apps installed on my mom’s phone (gpay, phonepe). Also, got to know from his upi id that his gpay account was created in march 2025.

I am worried what if this is some scam and if my mom get involved in some police case and account gets frozen.

What should I do? Please help.

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[Silentgirish7599]

S

Silentgirish7599
PARTICIPANT
March 27, 2025 at 6:17 pm

Call HDFC Bank’s customer care numbers – : 1800 202 6161 / 1860 267 6161

– Ask the bank representative to investigate the source of the credit. They will check internal records to determine where the funds originated & conduct an internal investigation. Cooperate fully with them and provide any information they may need.

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[Mightyrider2440]

M

Mightyrider2440
OP
March 27, 2025 at 6:36 pm

Should I email them just to be on the safer side as evidence?

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[Silentgirish7599]

S

Silentgirish7599
PARTICIPANT
March 27, 2025 at 6:45 pm

Yes, email with evidences

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[Brightthinker9189]

B

Brightthinker9189
PARTICIPANT
March 27, 2025 at 6:19 pm

Go to Bank and notify them formally reg this unexpected transaction and take a stamped receipt.

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[Luckyshark9060]

L

Luckyshark9060
PARTICIPANT
March 27, 2025 at 6:19 pm

Delete all bank account apps and UPI apps from your mother’s phone. And don’t share any OTP over the call or message or video call or digital arrest scam. This is legit a scam. Even if it is not, and a genuine mistake is made, clearly tell the person when he/she calls that please escalate to your bank for reversal. You do no transfer a single rupee. And don’t use this amount as well. Drain this account of your own personal money immediately. Keep only the amount which arrived from this person.

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[Mightyrider2440]

M

Mightyrider2440
OP
March 27, 2025 at 6:41 pm

Thanks for the help!

Money was credited around 4 hours ago. I haven’t received any phone call till now.

If I transfer all the money from my mom’s account (excluding Rs10,104) to her other account or my account. Will her other account/my account will also be freezed?

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[Luckyshark9060]

L

Luckyshark9060
PARTICIPANT
March 28, 2025 at 2:27 am

No, your money which was there already won’t get affected. You are raising complaint for the particular transaction only.

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[Yatinknight935]

Y

Yatinknight935
PARTICIPANT
March 28, 2025 at 2:47 pm

Don’t return the money directly to the person who claimed it to be his. Write to your bank about the transaction and tell the other person who claimed to have sent the money to contact his bank for reversal of the transaction

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[Mightyrider2440]

M

Mightyrider2440
OP
March 28, 2025 at 4:04 pm

I have already informed my bank.

I am not able to communicate with the sender as he speaks tamil and doesn’t understand hindi or english.

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