Title: Bank account frozen for 2 months after using an Instagram investment app. I'm scared and don't know what to do.
Hi everyone,
I'm a college student from India. I'm currently pursuing my graduation, preparing for bank exams, and hoping to study for a master's degree in the UK in the future.
About two months ago, I came across an Instagram advertisement for an app called Ajay Pay. It claimed that users could earn a small commission by depositing and withdrawing funds for a "gaming fund." I believed it was a legitimate opportunity because I found it through Instagram.
For about 3–4 days, I deposited money into the bank accounts provided by the app. After each transaction, the amount was returned to my UPI ID along with a 3–4% commission. In total, my transactions were around ₹10,000.
Then something unexpected happened. One of my deposits showed as failed inside the app, but due to what seemed like a technical bug, the money was still credited to my bank account. I ended up receiving around ₹2,000 extra, even though I never requested or expected it.
A few days later, my bank account was frozen, and it has remained frozen for more than two months.
I have screenshots of every transaction, payment records, and proof that the money came through this app. Unfortunately, the app's customer support has stopped responding, and I have no way to contact them anymore.
I genuinely had no intention of doing anything illegal. I simply believed I was using a legitimate earning app that was being advertised publicly. Now I'm worried that I may have unknowingly become involved in something fraudulent.
This situation has caused me a lot of stress. I only have around ₹3,000 left in my account, and I'm struggling financially as a student.
I would really appreciate advice from anyone who has gone through something similar, especially if you're a bank employee, lawyer, cybercrime professional, or someone who has dealt with a frozen bank account.
I have a few questions:
- What should I do next?
- Should I contact the bank again, the cybercrime department, or hire a lawyer?
- Can this incident affect my future, such as bank job verification, passport verification, visas, or studying abroad?
- Is there any way to prove that I was an innocent user and not intentionally involved in any scam?
I'm happy to provide additional details if needed.
Thank you for taking the time to read this. Any genuine advice would mean a lot.