Ekavya
TF Ace
A word of caution to others: Don't use Jio Payment's Bank.
My friend has been using online betting websites to earn money and used his Jio Payments Bank (JPB) account to withdraw funds. The betting company sent money from multiple personal accounts, which led to his JPB account being frozen. To unfreeze it, JPB requested his PAN card and the account statement of the sender who had transferred the highest amount before the freeze. However, since these transactions were from unknown personal accounts, obtaining such details was nearly impossible.
Fortunately, the highest transaction before the freeze was from his mother. Although he was initially hesitant to share her financial details, he ultimately decided to provide her PAN and account statement since a significant amount was at stake.
After submitting the documents, his mother received a message stating, "Your CKYC was accessed by JPB." The unusual part was that she never had an account with JPB. Upon further investigation, we discovered that the CKYC linked to her phone number actually belonged to someone else—likely the previous owner of the number. That phone number was recently activated using his mother's docoments and he used that phone number to open a savings account on his mother's name.
Despite this discrepancy, JPB later informed him that his account could not be unfrozen due to suspected non-personal use. Instead, they asked him to initiate an account closure process. He complied by submitting his alternative savings account statement and a self-attested Aadhaar card. However, after an initial response, communication with JPB became increasingly difficult. He missed a call from them, and despite multiple attempts to reach out via phone and email, their replies were vague and unhelpful.
After several follow-ups, JPB again asked for the same documents, which added to the frustration. At this point, I expressed our concerns in an email, stating that their handling of the situation felt unfair and that, if needed, we might escalate the matter to the RBI for further assistance.
Right now, we are unsure whether my friend will be able to recover his money. We would appreciate any advice on the best course of action.
Disclaimer: This write-up was drafted with the help of ChatGPT for better clarity and structure.
My friend has been using online betting websites to earn money and used his Jio Payments Bank (JPB) account to withdraw funds. The betting company sent money from multiple personal accounts, which led to his JPB account being frozen. To unfreeze it, JPB requested his PAN card and the account statement of the sender who had transferred the highest amount before the freeze. However, since these transactions were from unknown personal accounts, obtaining such details was nearly impossible.
Fortunately, the highest transaction before the freeze was from his mother. Although he was initially hesitant to share her financial details, he ultimately decided to provide her PAN and account statement since a significant amount was at stake.
After submitting the documents, his mother received a message stating, "Your CKYC was accessed by JPB." The unusual part was that she never had an account with JPB. Upon further investigation, we discovered that the CKYC linked to her phone number actually belonged to someone else—likely the previous owner of the number. That phone number was recently activated using his mother's docoments and he used that phone number to open a savings account on his mother's name.
Despite this discrepancy, JPB later informed him that his account could not be unfrozen due to suspected non-personal use. Instead, they asked him to initiate an account closure process. He complied by submitting his alternative savings account statement and a self-attested Aadhaar card. However, after an initial response, communication with JPB became increasingly difficult. He missed a call from them, and despite multiple attempts to reach out via phone and email, their replies were vague and unhelpful.
After several follow-ups, JPB again asked for the same documents, which added to the frustration. At this point, I expressed our concerns in an email, stating that their handling of the situation felt unfair and that, if needed, we might escalate the matter to the RBI for further assistance.
Right now, we are unsure whether my friend will be able to recover his money. We would appreciate any advice on the best course of action.
Disclaimer: This write-up was drafted with the help of ChatGPT for better clarity and structure.
