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WYes, it was a full KYC Kotak 811 account. My transactions were less than ₹1 lakh. I did not do any crypto transactions, nor did I send or receive money from abroad.WI understand, but I don’t want to spend time and effort on legal proceedings for just ₹3K. I’ve already escalated to RBI Ombudsman and other channels. Now, I just want a proper justification before closing the account.WYes, this definitely feels like harassment from the bank. Thanks for the suggestion! I’ll check out Moneylife and see if they can help in this situation.WI understand your point, but I don’t want to spend any money on legal proceedings. I just want a clear justification for the freeze. I’m already prepared to close the account, but I’m waiting for the exact reason and proper explanation. Once they unblock it, I will close it immediately.WYes, I am considering filing a complaint with the consumer forum as well. The RBI Ombudsman process is slow and uncertain, but I believe the bank should be held accountable for its actions. I also feel I deserve compensation for the unfair treatment.WYes, I have already raised a complaint with the RBI Ombudsman, but Kotak is not responding properly. They keep pushing everything to the branch, and the branch is forcing me to close the account instead of giving a proper explanation.
I just want a clear reason for the freeze and a chance to justify my transactions. Let’s see what the Ombudsman says.
WI appreciate your response. To clarify, **there were no illegal transactions in my account.** I was using this as a **secondary account**, primarily for **self-transfers** between my accounts.* Most transactions were **small UPI transfers (₹2k to ₹10k)** from family members.
* Only **a few large transactions (₹55k, ₹32k, ₹29k)** happened occasionally.
* The issue Kotak raised was that I was **transferring funds immediately after receiving them**, which they flagged as “suspicious.”
* However, I tried to explain that since I have a **primary bank account**, I simply moved funds **from this account to my primary one.**
* **Most transactions were self-transfers**, yet the bank refuses to consider my explanation.Despite my repeated efforts to justify my transactions, Kotak has **already made up their mind**, claiming their **RCU team is “not satisfied.”** They are **forcing me to close the account** instead of addressing my concerns properly.
Given this lack of transparency and their refusal to provide a **written explanation**, I am seriously considering taking this to **consumer court.**
WKotak grievance team responded with – **’We regret to inform you that as per the confirmation received by our Risk Controlling Unit, we are unable to process your request for unfreezing the account. Please visit the branch to submit an account closure form.’** Basically, they’re forcing me to close my account.I have no intention of closing it since it’s my secondary account, but just for fun (like you did), I’ll escalate this to RBI Ombudsman, National Consumer Helpline, CPGRAMS, and other relevant authorities. Let’s see how they respond! 😆
WThank you for your advice! I have already raised a complaint with Kotak’s grievance redressal team and documented all communications over email. However, their responses have been vague, and they keep redirecting me without any concrete resolution.I will wait for **30 days from my initial complaint** before escalating to **RBI CMS** if the issue remains unresolved. If that doesn’t help, I’ll proceed with **CPGRAMS and DPG** as you suggested.
I’ve been making sure to **keep records of all emails and responses**, including details of document submissions and verification steps. When escalating, I’ll attach all these proofs for better clarity.
Appreciate your guidance! If you have any additional tips, please let me know.
W* **Feb 15:** Got a response to my first online complaint saying, ***“We have highlighted this concern to our relevant team to get it checked at the earliest.”***
* **Feb 19:** Followed up via email.
* **Feb 23:** Received a response: ***“We have forwarded your concern to our team. In this case, we request you to visit the branch.”***
* **Feb 27:** Visited my **base branch** and submitted a **request letter + Aadhar card** for unblocking.
* Made to wait **10 minutes** due to a **server issue** and was asked to return later.
* Returned after an hour and met **Transaction Supervisor**, who took my request and discussed it with his team for **20-30 minutes**.
* He came back and said, **“Your service request is permanently closed without any further comments, so we cannot proceed right now”**
* The branch staff **tried calling the backend team**, but no one answered.
* **Final response:** *”We cannot accept your unblocking request at this moment.”* 😡
* **Feb 27:** Same day evening sent an email explaining this, but Kotak **misunderstood it as a chargeback request** and replied on **Feb 28 (Today)**: *“Regarding the concerns raised by you for Chargeback Request… We apologize for the inconvenience caused… We have highlighted this to our specialized division.”*
* I replied again, clarifying: *”My actual request is regarding the unblocking of my Kotak 811 savings account, which has been placed under a total freeze due to ‘****TXN PATTERN ANOMALY’*** *as communicated by your team.”*# Need Advice:
1. Since my **branch and backend team are useless**, should I directly **file an RBI CMS complaint** now?
2. Should I try **CPGRAMS and DPG like you did**?
3. Is there any way to **force Kotak to take action** instead of making me run in circles?
4. They seem to be **deliberately ignoring my emails**—any suggestions on how to escalate further?Would really appreciate any advice from you or anyone else who has faced this with Kotak! Thanks in advance.
WHey, I just read your post, and I’m going through a **similar nightmare with Kotak Bank** right now. I need advice on how to escalate this because their support is completely unhelpful.# Timeline of Events:
* **Feb 9, 2025**: I raised a **complaint on the Kotak Bank Portal** after noticing my **Kotak 811 account was blocked.**
* **Feb 10, 2025**: Kotak sent me this message: *“Dear customer, your Kotak811 a/c XXXX2905 is blocked as your transactions are not in line with your profile. To start unblocking, visit:* [*https://1.kmbl.in/KOTAKB/HYM8d9”*]() I followed the process and completed verification:
* Verified details via **DigiLocker** and submitted my **office ID card as income proof**.
* **Feb 11:** A Kotak executive called me for **on-call verification** and assured me my account would be activated soon.
* **Feb 12:** Another call from a **local agent** for **home verification**, but I wasn’t home. I called him back and provided an alternate location, and he said he’d visit but **never showed up.**
