Bank account frozen?
Many accounts get fully frozen when money linked to a fraud complaint passes through them. You can ask the bank to hold only the disputed amount.
What to do
- Ask your branch in writing which police station or cyber cell asked for the freeze.
- Get the investigating officer's name, email and complaint reference.
- Send the letter below to your bank. Keep a copy.
- Write to the investigating officer with your bank statement and proof of the payment.
- If the bank does not reply in 30 days, complain to the RBI Ombudsman.
To, The Branch Manager / Nodal Officer, [Bank name] Subject: Request to limit the freeze on account ending [last 4 digits] to the disputed amount Dear Sir or Madam, My account was frozen on the basis of a cyber crime complaint. The full balance of ₹[amount] is blocked, while the amount under dispute is ₹[amount]. I have not committed any fraud. Please share a copy of the police or cyber cell request that led to this freeze, along with the name and contact of the investigating officer. I request that you hold only the disputed amount and release the rest of my balance so I can meet daily expenses. I am ready to share any document the investigating officer needs. Please reply in writing within 7 days. Yours sincerely, [Your name]
Want us to send and track it?
Open a free case. We send it to the bank's grievance officer, follow up on Day 4 and escalate on Day 7.
This tool gives general information, not legal advice. Free, no sign-up needed to use it.