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Kotak Bank Froze My Account Without Notice & Forcing Me to Close It – Need Advice!

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vaibhav111 said:
i'm sure it a old account opened in branch of kotak, mine had tons of coming going out cause my aim was to pay cc bills using kotak 811 debit card and if it didn't work why to keep money, that kotak didn't like i didn't keep any balance and money coming in from different source.
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It is a zero balance Pro Savings Account, opened from office (never visited branch).
 
bhatt83hemang said:
If you have Kotak 811 account and do lot of UPI received transection, they block account and ask to open 10k account. They doing this from 2-3yr..
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Not necessarily for all.

In my case, I did 648 trxns, so far from 02/2023 amounting to 29+L, mostly UPI. Never had any problem with the account. Last year converted to 811Super. Not a single issue till now. Very happy.
 
RAMESH BABU N said:
Not necessarily for all.

In my case, I did 648 trxns, so far from 02/2023 amounting to 29+L, mostly UPI. Never had any problem with the account. Last year converted to 811Super. Not a single issue till now. Very happy.
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I use Kotak 811 super for a similar use case as yours Sir. I usually tranafer 30 40k some times even 70 80k depending on credit outstanding each month and carry out day to day UPI transactions. However I have activated UPI lite for this account and set auto top up when upi lite balance goes below a threshold. I do not use this account for any other purposes all my transfers from other sources like stocks, friends, relaitives ,investment are carried out in other account .

upon my latest discussion with CC executive i was keen to know the reason of freeze to which he told dont use where transactions count is more like sip , stock trading which involves more pay in pay out, gaming apps. also he told one thing if i declare income X in profile and transactions value is X/5 then also it can freeze which i did not understand the logic.

However shall i use only Kotak 811 super account only for offline transactions like grocery, petrol for 5% cashback and a different account for UPI to avoid surprise freeze in worst cases ?
 
kjs said:
I use Kotak 811 super for a similar use case as yours Sir. I usually tranafer 30 40k some times even 70 80k depending on credit outstanding each month and carry out day to day UPI transactions. However I have activated UPI lite for this account and set auto top up when upi lite balance goes below a threshold. I do not use this account for any other purposes all my transfers from other sources like stocks, friends, relaitives ,investment are carried out in other account .

upon my latest discussion with CC executive i was keen to know the reason of freeze to which he told dont use where transactions count is more like sip , stock trading which involves more pay in pay out, gaming apps. also he told one thing if i declare income X in profile and transactions value is X/5 then also it can freeze which i did not understand the logic.

However shall i use only Kotak 811 super account only for offline transactions like grocery, petrol for 5% cashback and a different account for UPI to avoid surprise freeze in worst cases ?
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If your account is new, you shouldn't be doing what you are doing right now. New accounts are more susceptible to freeze.
 
6ix9ine said:
Not sure about the timeline mate, I also use this account heavily, but it's 6 years old. So, working fine as of now.
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got it. I dont want to take a risk of using this account seeing weird experience of people in the forum , dont have time and energy to chase bank branch in case of any surprises.There are lot of important things in my life apart from just banks , banks and banks.

i would use it just for offline grocery and petrol expenses where we get 5% cashback. The day it stops i will stop using this account.
 
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kjs said:
got it. I dont want to take a risk of using this account seeing weird experience of people in the forum , dont have time and energy to chase bank branch in case of any surprises.There are lot of important things in my life apart from just banks , banks and banks.

i would use it just for offline grocery and petrol expenses. The day it stops i will stop using this account.
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wise decision 👍
 
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guys i want to know one thing that mera bank freeze aaya hai reason hai due diligence basis transaction and profile reveiw ye kya hai? aur agar hm isko aise hi chhod de to koi problem hoga future me?
 
royal_guru3006 said:
today my kotak 811 freezed for due diligence basic transaction and profile review what is it? please reply me and also give the solution ASAP
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After getting banned by RBI for quite a big time, Koh-Attack 811 don't want to take risk again. So this dilligence is the new elegance with Koh-attack which will keep attacking customers with specially designed spice bomb named FREEZE ME. 🤣
 
syed_ar0403 said:
I’m facing an extremely frustrating issue with Kotak Mahindra Bank, and I need advice from the community. My savings account has been completely frozen under the reason "TXN PATTERN ANOMALY." But despite multiple attempts, Kotak has refused to provide any clear explanation or a fair resolution. Instead, they are forcing me to close my account and open a new one with a ₹10,000 minimum balance.

How It Started:​

  • My account was suddenly frozen without any prior notice or chance to justify my transactions.
  • I contacted customer care, raised complaints via the National Consumer Helpline (NCH) and even escalated to the RBI Ombudsman.
  • Every complaint gets routed back to the branch, where the staff are rude, unhelpful, and unwilling to assist.
  • The branch has finalized their decision not to unfreeze my account, as confirmed by the RCU Team.

Kotak's Response? Absolutely Nothing.​

  • They refuse to give me a written explanation about why my transactions were flagged.
  • They ignore my requests to provide a copy of the bank's policy that mandates account closure instead of issue resolution.
  • Despite multiple calls and emails, all I get is the same response – "visit the branch" – but the branch only pushes for account closure.

My Demands (Which They Keep Ignoring!):​

  1. A clear written explanation for the freeze & flagged transactions.
  2. A reason why I wasn’t given a chance to justify my transactions before freezing my account.
  3. A copy of Kotak's policy that supports their decision to force account closure.
  4. Compensation for the mental stress, inconvenience, and financial impact of this unfair freeze.

How Can Banks Just Do This Without Any Justification?​

I have a clean financial record, and I comply with all banking norms. Yet, Kotak has made an arbitrary decision to block my account without even letting me defend myself.

I have already escalated this to the RBI Ombudsman and NCH, but the bank keeps delaying or avoiding accountability.

🔹 Has anyone else faced this issue with Kotak or any other bank?
🔹 What legal or regulatory steps can I take to make Kotak provide a clear answer and unfreeze my account?
🔹 Should I take this to consumer court?

I would really appreciate any advice or similar experiences. Banks shouldn’t be able to freeze people’s accounts without transparency or justification. This is a serious issue that needs attention! 🚨

Edit : Issue Summary:
My Kotak 811 account was suddenly frozen without prior notice or a proper explanation. I was informed that the matter was escalated to the Risk Controlling Unit (RCU), which later stated that my account cannot be unblocked due to "TXN PATTERN ANOMALY." Despite explaining that most transactions were self-transfers, the bank insists I close the account instead of resolving the issue.
Timeline of Events:
🔹 10-02-2025: Registered a complaint on Kotak Bank’s portal; received an SMS to unblock my account, submitted the request, and completed DigiLocker KYC.
🔹 11-02-2025: Received a call confirming my account would be unblocked soon.
🔹 12-02-2025: Physical verification was done at my address.
🔹 15-02-2025: Kotak Bank stated my concern was forwarded for urgent review, but no update followed.
🔹 19-02-2025: Due to no response, I escalated to the Nodal Officer.
🔹 23-02-2025: Customer care insisted my concern was forwarded and advised me to visit the branch.
🔹 25-02-2025: Received a response from Grievance Team stating my account is in a "Total Freeze" due to "TXN PATTERN ANOMALY." Asked to visit a branch for re-profiling.
🔹 27-02-2025: Visited the branch; they escalated the issue to the RCU team.
🔹 02-03-2025: Received an email saying my account freeze issue was being reviewed and expected resolution by 07-03-2025.
🔹 05-03-2025: Final response from the Grievance team: "RCU has denied unfreezing the account. Kindly submit an account closure request."
🔹 06-03-2025: Branch gave the same response, insisting on account closure.
🔹 10-03-2025: Registered a complaint with the RBI Ombudsman.
🔹 12-03-2025: Received an SMS instructing me to submit information for unblocking, but the request was already under review. Also got a call from the Nodal Officer.
🔹 15-03-2025: Received a call from the Operational Manager of my branch:
  • Informed me that the backend team was not satisfied with my transaction pattern, and the branch team also failed to convince them.
  • Refused to provide a clear explanation regarding my transactions, despite my willingness to clarify that they involved mutual financial obligations and family transactions.
  • Stated that Kotak Bank does not notify customers about suspicious transactions before blocking an account and confirmed that the decision to permanently block my account is final.
  • Refused any further review and insisted that I close my account and open a new one with a ₹10,000 minimum balance, which I strongly disagreed with.
  • Dismissed my escalation attempts, stating that any further complaints would be routed back to the same branch and that their decision would remain unchanged.
🔹 15-03-2025: Escalated the issue to NCH.
🔹 18-03-2025: The case was transferred back to the branch. The Operational Manager called again and reiterated that unfreezing the account was not possible. He attempted to pressure me into closing the account, arguing that no matter how many escalations I make, all of them would be routed back to the branch, and their final decision would remain unchanged.

Transaction Summary:
Most transactions were self-transfers. The freeze was applied even though there were no unusual activities.

View attachment 87303

What Should Be My Next Step?
Should I escalate further or take legal action against Kotak for unjustified account freezing and lack of resolution?
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Bro i also faced this a while. I visited my Home branch and they refused to unfreeze my account. And the behaviour of their was very rude. So what i did is i changed my Branch. And i requested them to unfreeze My account by doing a address verification. But address verification was not possible at my location. So they dispatch a letter to my address. I took the letter and i submitted it to branch. First they told me that you'll have to close your account. But i forced them to approve the address verification. And after few weeks my account was unfreeze. I also submitted my bank statement. Reason for freeze was multiple irregular transactions.
 
desiviru said:
After getting banned by RBI for quite a big time, Koh-Attack 811 don't want to take risk again. So this dilligence is the new elegance with Koh-attack which will keep attacking customers with specially designed spice bomb named FREEZE ME. 🤣
Click to expand...
can i leave this account as it is? will i face problems in future?
 
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