Blocking of my bank account with the directive of Police without any prior notice
I do trade in Binance P2P platform. It's a Full KYCed platform. A person named X contacted me in the Binance P2P Trading Platform to purchase my digital asset of 112.18 USDT worth Rs. 10000.
He said that he'll do payment through his friend's bank account. His Friend's name is Y. He shared the details of his Friend's Bank account from which he is paying and shared the Screenshot after paying.
I questioned regarding sending of amount from his friend's account. He said that his bank account limit is over. I was still not convinced with his statement. He requested to call him and gave his contact number.
I called him and asked about sending payment from his friend's account. He insisted that his limit got over and requested to release the order.
To convince myself, he also shared the Aadhaar Card of his friend Y from who's account the payment came to my Account.
I released the Order and the Deal is DONE with mutually consented way.
Next day (23/03/2023), Paytm sends me a message stating that my Paytm Account and attached Paytm Payments Bank has been Blocked. To feel awestruck, I enquired Paytm for the explanation of the said issue.
Paytm stated that the details of the transaction bearing IMPS Reference No. (123) wherein I have received an amount of INR 10,000 into my Paytm Payments Bank account on 22/03/2023 9:54 PM has been tagged as "FRAUDULENT" by Ghaziabad CyberCell Authority.
The remitter: Y and NCRP complaint No. (457)
I feel shocked after hearing this because that was the transaction of last night which occurred in mutually consented way and I cannot believe my eyes that this said person initiated a PAYMENT CHARGEBACK FRAUD AGAINST ME.
Being clueless in awestruck way, I started to search Ghaziabad CyberCell number in the UP Police Website and Reconnecting through several stations, finally I've managed to get an officer's number. He suggested to visit there station, as I'm a resident of Assam. He also suggested to talk with the remitter and get the complaint withdrawn. When I asked them to share the contact details of that individual, they refused and suggested to take help from my bank. When I asked my bank to share the contact details. They also refused. Now what should I do? I'm in middle of nowhere.
I also enquired about the case to my Local CyberCell authority and they said to contact with Ghaziabad police.