Teen shocked to discover he's been blacklisted by all banks since childhood

An 18-year-old Malaysian teenager, Zhou Deli, was shocked to discover that he had been blacklisted by all banks since the age of nine — without any clear reason.

Zhou first became aware of the issue when he attempted to open a bank account, only to be repeatedly rejected.

Zhou was listed under the “Tipping Offensive” blacklist, typically reserved for serious financial crimes like money laundering or terrorist financing, or suspicious transaction reporting.

However, checks with the Central Credit Information System (CCRIS) showed no negative financial records tied to Zhou.

In a press conference held with his father, Zhou Shulin, and Huang Yien, director of the Penang Public Complaints Bureau, the family expressed deep concern over the unexplained blacklisting.

They are now seeking answers on how a minor could be flagged for serious financial offenses without any supporting evidence.

Zhou has also filed a police report and visited Bank Negara Malaysia, but the issue remains unresolved.

The blacklist has also delayed his National Higher Education Fund student loan, affecting his college plans.

“I also went to the Penang High Court to confirm, and checked my Credit Information Service (CTOS) report, but no abnormal records were found,” Zhou stated.

During the press conference, Huang presented Zhou’s CCRIS report, which showed no indication of financial misconduct.

Zhou’s father, a decoration contractor, emphasized that neither he nor his wife had any criminal record and both maintained active bank accounts.

Zhou has since lodged a police report and contacted Bank Negara Malaysia, but the issue remains unresolved.

The case has sparked public concern over the integrity and oversight of financial blacklists, especially when they can wrongly implicate minors and disrupt their future.