TechnoFino - #1 Community Of Credit Card & Banking Experts

@pratik077 Everything is ok. Called their care team to raise my complaint and feedback against their so called system, and the people managing those system.

There is no suspicious txn. Nothing unusual. Only difference is previous month's txn was a bit (5x) higher than previous 3/6 month average. All are done by me. its nothing but flag in their system. I myself trying to study the pattern of their flag. May raise this issue again with their team through email.

Perhaps they wrongly updated my income on lower side. For me it's an unnecessary extra work. Nothing else. I am not worried at all.

@CRN Branch guys know me well. Probably they will also laugh by hearing this Flag in their system.

My point is bank should train their system well.

@CRN I guess you never dealt with PSUs apart from SBI. They would have called you to branch on a working day!

@Beyond I have never experienced such issues with any of the banks. I keep the transaction within the limit & update the profile if needed because most of the times if there is any mismatch between your defined annual income and your spending pattern limit this could potentially lead to freezing issues.

@CRN its just pure luck. Your proactiveness does not matter to algo
Sooner or later your experience will change 🙂
For example - PNB algo flags every upi transaction that ends with non zero

@Beyond is it? Asking abt pnb.
I was thinking to use this ac for occasional upi. U sure?

@2025 Yes, I had to visit pnb because of that reason only, on behalf of a senior citizen relative recently
They had to be threatened just to accept signed application for unfreeze
Plus when I enquired branch official told me not to do non zero transactions

@2025 if you want reliability, HDFC is the best for UPI

@Beyond ok. Will test HDFC also. But I prefer using secondary accounts for txn with unknown parties.
Otherwise, I find SBI better.
AU also good. HDFC used to have some issues particularly at night. Uco very bad at night. PNB ok (wife's one), icici less tested, canara ok but heard some issues faced by others, cbi- have some issues, Rbl- initially had some issues.
Also, mostly I use CCs for merchant txn.

@2025 the best thing about hdfc is that they will give a call, whenever a security concern is there before total freeze
So always take the call you receive within 15 minutes of transaction
Also only hdfc unfreezes your account on email consent (if unable to pick security call) (no documents whatever is asked if within your profile)

HDFC CC on other hand is worse

Which debit card do you have, SPDC or EDC?

@Strange I got u. Currently both. Single account.

Rbi rbi mera pyarr rbi reprimand only ..mera fund hold karke rakh diya tha refund nahi de raha tha sala kutta bank use karna band kar di big c bank

@2025

RBL issue 2 dc in one single account?

i contacted branch and they removed debit freeze on call, i said i have 40+ credit card and i am using my dc to pay cc bills and they understand and activated account. polite talk and sir sir worked

@the.avhishek Ok. I will call once tomorrow.
But I myself want the profile updation, so that similar situation does not arise in future. Will take a call tomorrow.
Thanks.

Hope its just related to unusual transactions ,if its regarding kyc, They even send guys to home for physical verification .
RBL is the worst private bank in terms of freezing

Is it possible to close RBL account online? Branch is 60kms away.

@Ram1

Thread 'RBL Bank account closure' https://www.technofino.in/community/threads/rbl-bank-account-closure.14257/

@2025 It seems like RBL is freezing everyone's accounts. I also got the same message for my account.

What is your total transaction amount? & transection pattern?