I’m really lost and don’t know who to turn to, so I hope someone here can advise.
Earlier this year, I started using Carousell to sell some items. Around May, my Carousell account got suddenly suspended and, out of nowhere, my bank account was frozen by the police — no investigation, no explanation.
I called my bank, and they directed me to the scam department. They assigned me an investigation officer. Later, I was told the freeze happened because the previous owner of my phone number was allegedly involved in a Carousell scam back in 2022. I only inherited this number in 2023.
The worst part was OCBC was my main bank, and when my account got frozen, I had no access to money at all. I had to borrow money from my employer and parents to get by.
The officer eventually said the case was “closed,” but since then OCBC sent me a letter saying they do not want me as their customer & will be shutting down my savings account and all credit cards.
Thankfully I managed to quickly open an account with UOB to receive my salary, but when I tried applying for a new credit card there, I was rejected due to my damaged credit score. I tried applying with other banks, such as DBS, etc, and all was rejected for the same reason.
Because of the freeze, my insurance and credit card payments were delayed, which led to late fees that weren’t waived. I had to bear all the costs.
The most upsetting part? The investigation officer has since ghosted me, and I’ve been left helpless. Even though they said the case was “closed,” it feels like a permanent stain is left on my name, ruining my financial record.
So my question is — should I file another police report to officially clear my name? Has anyone been through something like this? I really don’t know what else to do, and it’s been so stressful.