r/malaysians • u/cyganjaynoc • 5h ago
Advice ☎️ Need advice bosskusssssss
Hi fellow Malaysians,
On May 2026, a random lady transferred RM1000 to my brand new "A" Bank Saving account. My thought was this is to scam asking to transfer back the money to another account. So I kept this account untouched for sometime.
June 2026, "A" bank home branch contacted me to proceed with the transfer of RM1000 fund back to this mysterious lady and I proceeded with the transfer process, but in return they closed down my account. I was like "What did I do ? I complied with all your request to transfer back", and their answer was sorry sir, this is decision from HQ and we cannot do anything. I was okay with the closure as this account was created just to track my CC application initially.
Moving to July 2026, I received a call from IPD XXX stating this mysterious lady has lodged a police report against me, so I explained the whole story to her, and she was like "Okok encik, kalau apa2 saya call balik ye"
August 2026, this where it starts,
- Bank "U" sent a letter stating with recent risk assessment they had to close down my CC account.
- Bank "M" stated they will be closing down some of my accounts, not the main saving account yet.
Sept 2026
- Bank "C" closed my account and no notice was sent, and I eventually received the letter today with same message "Risk Assessment bla bla bla". I'm an IT employee and this is my salary account.
- Bank "M" again, sent a letter but this time it's my main saving account which I had with them for more than 7 years.
I was worried that this will f-up my other bank accounts too so I went to a smaller local Bank "B" to check my account opening eligibility, the outcome was I'm not fitting the criteria to open any bank accounts with any bank "Encik tlg check dgn IPD mana2 Jenayah Komersial"
I proceed visiting the nearest IPD, to my surprise this lady lodged the report that she was scammed by some random guy where she can bank in X amount and can get back XX amount. So the scammer gave 3 account number (One of it is my "Bank A" saving account which I have no idea why a scammer would give a totally new account number).
So this CLOSED Bank "A" account is now flagged as MULE ACCOUNT by PDRM. When one of your account is flagged by MULE, your other accounts are f-ed as well.
Now I'm worried that this will impact my remaining bank accounts which I will be using for my Salary and also my loans to be terminated and required to be settled immediately.
I need suggestions from real world experience for those who have faced this before.
Thanks....