IDFC First Bank Account Debit Freeze & Total Freeze Issue

[MC_007]

Hello!
I observed that I couldn't do any debit card transactions using Visa Platinum DC, I was basically trying to pay CC bill. However, the First tap Rupay card worked for the same transactions.
The customer care representative couldn't figure out the issue. Not sure if my account is moving towards some kind of freeze..for now I am keeping the account balance as more than 3L because I want to upgrade to Select.
Should I be worried?

Once same thing happen with me, just close the debit card and apply for new one.

 

[CCsearcher]

Once same thing happen with me, just close the debit card and apply for new one.

Thankyou so much. Will do 🙂

 

[Ram1]

IDFC is the worst in this situation! Even though I have a premium wealth account, they froze my entire balance of 18 lakh rupees because someone falsely reported it to the cybercrime department. The disputed amount was only 35 rupees. They could have only froze the disputed amount but no they chose to freeze full amount. After two months of multiple complaints, they finally released the remaining balance after writing a letter to the branch manager.

Hi can u help me with whole process u did to get money out while on cyber freeze.

I'm on the same boat with ICICI.
Pls check dm

 

[vijay.vj]

Generally i do transactions via debit card only on sbiunipay and airtel app to pay the bills. Can they freeze my account as well ? Anyone faced any issue while doing transactions on sbiunipay or airtel ?

My first rewards is blocked.. Account is fine.

I removed entire funds from the account

 

[karankayastha]

5,6 mahine me ek do baar kr lena , nhi to Ghar pe DD bhej dega aur bolega account closed kr diya gya hai due to kyc expiry 😢

Ok utna thoda bahit hota hai so no issues😅

 

[arvinder]

My first rewards is blocked.. Account is fine.

I removed entire funds from the account

Got it. Thanks

 

[mojo_jojo123]

I have opened account recently via offline channel and after 1 day they put my account on debit freeze

 

[Ram1]

I have opened account recently via offline channel and after 1 day they put my account on debit freeze

It might be kyc issue, call or visit branch

 

[dvader]

I have opened account recently via offline channel and after 1 day they put my account on debit freeze

With offline channel the account is on Debit freeze until IP cheque clears. I faced this this with Yes, Indusind, IDFC HNI accounts. However it is lifted within 2-3 days of clearing. My IndusInd Pioneer acct was on debit freeze for 15 days due to IP cheque issue.

Do check with the branch once. KYC is another usual suspect.

 

[mojo_jojo123]

how many days does it takes to show reward point in mobile app after new account is opened ?

 

[EnthuCC]

Approximately a year and a half ago, I encountered a similar situation with IDFC First Bank. I had opened an account with them solely for daily UPI transactions, even though their nearest branch was 300 kilometers from my home. One day, without any clear reason, they placed total freeze on my account, which held a balance of 10 lakh rupees. This action left me extremely anxious, as I had no idea how to proceed.

I immediately contacted my Relationship Manager (RM), who informed me that the bank had flagged some suspicious transactions on my account. He explained that the only way to lift the freeze was for me to visit the branch in person—a considerable inconvenience, given the distance. I reached out to customer support by phone, email, and even on Twitter, but everyone told me to visit my branch.

Having no other options, I eventually made it to the branch. Upon reaching,they requested my Aadhaar card, PAN card, photograph, printed transaction receipts, and other documents, which took over an hour to process. My RM assured me that the account would be unfrozen within 72 hours, so I returned home with the hope that the situation would be resolved.

However, 10 days later, I discovered on the IDFC First app that my account was still under freeze. Frustrated, I contacted both my Branch Manager (BM) and RM, only to be told that my documents were still under verification and the process would take additional time. Left with no other options, I continued to follow up by phone, calling 2–3 times daily for updates, but each time I received the same response: "It will take more time." This continued for two months.

After 72 days, my account was finally unfrozen. I immediately transferred the full balance and formally closed the account on the first day of the following month, as they would not allow me to close it immediately. Afterward, my RM questioned why I chose to close the account.

This pathetic experience ultimately led me to end my relationship with the bank.

After I closed my account, the Branch Manager reached out to me to know about the reason for my decision. I explained beautifully

“Mada*cho*o agar zindegi me kabhi mere samne dubaara aa gye to aise tumrahi loonga dekh lena and cut the call”

Did you complain to RBIO about this?
72 days is a long time.

 

[surojitlaha]

Did you complain to RBIO about this?
72 days is a long time.

No I didn't, I was a noob back then 🥲