Help! Bank Account Debit Block by Cyber Crime Department.

delete

Try RBI Ombudsman

Let me give you another perspective the one from a banker's point of view. I am a psu bank manager and I have done this on two such accounts one last week and another one close to 1 year ago while working in two different branches.

As someone already pointed out, in psu banks generally accounts are not frozen, rather a lien on available balance is made and a notice regarding such lien citing the reason is communicated to the account holder for regulatory purpose.

There is nothing really one can do from the bank's side nor can RBI or Ombudsman help you in this case so long as the bank has given you notice regarding such lien and the reason for it.

Banks like any other entity in india or elsewhere in the world have to play according to the law of the land. We are not just answerable to rbi or ombudsman alone. We are answerable to income tax department, law enforcement agencies, other govt departments, courts etc. Whether the bank is public or private has little to do with

the issue at hand  :

Earlier A from Chennai dupes B from Gujarat and transfers the money to his account and later routes it to C in Assam. B has no way to get back the money due to various jurisdictions and the no. of banks involved. Simply put there was no coordination among the enforcement agencies of state nor banks.

Precious time will be lost on the investigation itself and the money would have been taken out before anything material could happen in this case.

Now they have found a solution for this

National Cyber Crime Reporting Portal.

This portal now brings on board the security agencies of different states and financial institutions such as banks under a single platform.

A cyber crime reported in gujarat is thereafter tracked by transaction monitoring cells of different banks at head office level and is reported almost realtime to agencies in the portal. The agencies then and there request the banks to put a hold on these funds till they say otherwise (i presume till the investigation is over).

The issue here is that the police valas who give such instructions rarely come back and revoke the same at a later stage on the portal. As someone said earlier, its very hard to get a resolution from them directly aswell unless you can go there physically and present your case.

The banks have no option and have no role here they are just doing what the enforcement agencies say. Bank's can't advocate your case before them its not how things work - you will have to do it on your own or get help from a court of law instructing the bank to lift the lein.

I heard, people who have participated in that telegram fraud thing of doing tasks where you know they're a scam but you still take money out of them are the ones facing this.

Not sure how true this is

What is the current update?

Is this resolved for you? @paytm69

Sir please mera account debit mein se Hata Do

Please sir my account unfreeze 

This basically happens when you took a money from someone and that person did not received the product for which you took the money, so he raises a cyber complaint for the same. In this case you are a fraud and you account got freeze is the right thing. Either you have done a shady business here of some 3rd persone have used you to do a shady business.

Other case involve a fraud where someone sent you a money and raise a cyber complaint for a fraud against you. In this case you just need to inform the cyber cell about this and authorise the unknown money to be taken back and explain them the matter. Here also you can save yourself if you inform your bank about this unknown transaction beforehand but people choose to keep the money and face the consequences later. This is basically done by fraud for extortion of larger amount from you if you account got freeze with huge amount in it. This fraud is not random but they select a known big party and Target them.

DId any one get any solve for this? Kindly help.

Even my account got debit freeze today,