HDFC BANK ACCOUNT FREEZ NEED HELP

[SUNAINA]

Hi everyone I have an Saving account in HDFC Bank, on my account there has been put 1135.35 hold by bank due to Cybercrime (MHA) Complaint after few days my account was frozen too now I have connected branch and they told me this hold is by cybercrime and they have provided me a complaint copy in which details of police station are mentioned and my account is also mentioned with 1500 Transaction amount 1135.35 disputed amount with date time and UTR number, layer 4 upon checking my account statement I did not found any transaction matching with details on completion copy then I call customer care they also confirmed that there is no transaction with such details they told me the UTR number mentioned in complaint copy shows a failed transaction which was done by anyone to your account but it has failed and not credited to your account I have connected my nearby Cyber police station, the Police Station mentioned in complaint copy but no help was made my nearby police station told contact them , the mentioned police station SHO told no you have received it I told him that I will provide Account Statement but he told you need cout order to unblock the account please tell me what to do my 60K are stuck in bank .

 

[arjungoyal12]

This sounds really stressful, and I’m sorry you’re stuck in the middle like this. When cybercrime puts a hold on an account, banks usually won’t remove it until they get a clear “no objection” or closure update from the police/cyber cell mentioned in the complaint copy, even if the transaction shown is failed or doesn’t exist in your statement.

Since HDFC and customer care also confirmed that the transaction never reached your account, the next step is usually to get clarity from the same police station/cyber unit mentioned in the complaint copy, not the one nearest to you. Only they can update or withdraw the complaint. Most banks can’t unfreeze the account unless they receive that official communication.

If the SHO there is asking for a court order, it means they aren’t willing to close the complaint from their side. In such cases, people usually have 2 practical options:

• Request the investigating officer to issue a letter stating that the complaint was filed by mistake/transaction failed/your account is not involved,
  or
• Approach a court to get an order to unfreeze the account.

Before going to court, I’d still suggest trying to speak again to the cyber officer/SHO mentioned in the document, sometimes they cooperate once you show your account statement and explain clearly. Otherwise, going to court might be the last option and it can help you

Your 60k being stuck is understandable, did HDFC tell you if the entire account is frozen or only a partial hold? That can also help in deciding the next steps.

 

[SUNAINA]

This sounds really stressful, and I’m sorry you’re stuck in the middle like this. When cybercrime puts a hold on an account, banks usually won’t remove it until they get a clear “no objection” or closure update from the police/cyber cell mentioned in the complaint copy, even if the transaction shown is failed or doesn’t exist in your statement.

Since HDFC and customer care also confirmed that the transaction never reached your account, the next step is usually to get clarity from the same police station/cyber unit mentioned in the complaint copy, not the one nearest to you. Only they can update or withdraw the complaint. Most banks can’t unfreeze the account unless they receive that official communication.

If the SHO there is asking for a court order, it means they aren’t willing to close the complaint from their side. In such cases, people usually have 2 practical options:

• Request the investigating officer to issue a letter stating that the complaint was filed by mistake/transaction failed/your account is not involved,
  or
• Approach a court to get an order to unfreeze the account.

Before going to court, I’d still suggest trying to speak again to the cyber officer/SHO mentioned in the document, sometimes they cooperate once you show your account statement and explain clearly. Otherwise, going to court might be the last option and it can help you

Your 60k being stuck is understandable, did HDFC tell you if the entire account is frozen or only a partial hold? That can also help in deciding the next steps.

Cyber police is not coperative brother and first 1135 was put on hold then my account was frozen my 60k are not on hold , even cyber police told we have only hold the amount we did not freez your account but the bank says it is hold and frozen by Cyber police