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Kotak 811 Digital Account Debit Freeze

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beingmohit

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I deposited around INR 1.5l in my wife's Kotak 811 account. Today, we discovered that they randomly froze her account. As per the email communication, she has to visit her home branch to unfreeze the account. The problem is we are not in India currently and we won't be there in the foreseeable future. What are my options?
 
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Hello Everyone
I am Facing this problem of Debit Freeze in my KOTAK 811 FULL KYC Account.
Bank has automatically with this message

“ We wish to inform you that the status of your account XXXX8955 has been changed from No Freeze to Debit Freeze on 26-07-2023 for TXN PATTERN MISMATCH VIS-A-VIS DECLARED PROFILE. For any assistance please contact your Home Branch.”

At first I contacted customer care , they said just go to the branch with aadhar card,pancard,photo, and income proof and then i said i dont have any income proof of such kind. He then replied your bank statement can act as a income proof and the branch people will provide you with that from their system.

I went to the branch , instead of asking my kyc they asking about where does this money come from i gave the answer. Then he said i am giving request ahead for removal of debit freeze . During that time he asked several non sense illogical questions which i wanted to through here , he continued on asking what do you do i said nothing then where does this money come from then i said farming , then he said i dont think so, but my question is why does a branch person doing scrutiny of my transaction does he have a right to do so. The account was freezed on 26th or jul today its more than 15 days no debit freeze was removed.

I request help from community members who knows something how to deal with this situation in which i am mostly right and branch people are not working in my favour.
 
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Employees can cross examine if their systems flag your account. It happened with me in SBI once, long time back because I was frequently getting paid in US$ at that time. I am certainly not going to proclaim you are innocent here and they are at fault. But with the right proofs you can claim your innocence and get the account back. Since the debit freeze hasn't been removed they aren't convinced with your answers and typically might involve getting in contact with a higher official to understand the root cause.
 
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akshayhs said:
Employees can cross examine if their systems flag your account. It happened with me in SBI once, long time back because I was frequently getting paid in US$ at that time. I am certainly not going to proclaim you are innocent here and they are at fault. But with the right proofs you can claim your innocence and get the account back. Since the debit freeze hasn't been removed they aren't convinced with your answers and typically might involve getting in contact with a higher official to understand the
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My account was recently credited with a neft of 1.25L that i have to transfer to friend’s institute because of last date he was not able to transfer from his so my account was working fine i just thought of helping as a friend but turned out my account got debit freeze.

Is there anything else you can do to help or any personal experience in kotak of this same issue.
 
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The bank can question you at any time if they flag your account for any suspicious transaction which doesn't belong to your reported income sources or limit. If you are unemployed or a student, they can easily flag your account for the transaction of such an amount suddenly without any proof.
 
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Happens with my brother too...due to high transactions in his 811 kotak account so branch manager freeze it and didn't open it even after so much requests and proofs. So, in the end he had to close his account. Very bad service by kotak although never heard from any other reputed banks. They were saying open average balance account just wanted to promote their avg balance account.
 
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happened with me too...they told that the credits in the account dont match with your income declared...so they froze....anyone know how to fix this this......
 
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ccdc said:
happened with me too...they told that the credits in the account dont match with your income declared...so they froze....anyone know how to fix this this......
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Are you able to open your Kotak 811 App and have you contacted to your home branch if yes what did they tell you and are they ready to unfreeze it???

I
 
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