What should I do if my bank account is blocked?
My bank account was blocked for debit on November 15 due to a cyber-complaint. Someone sent 3929 rupees to my account. I contacted the bank, and they told me the block was applied by the Ministry of Home Affairs. I am deeply concerned. The bank has requested further details from them, but there has been no response yet. I never asked anyone to send me this amount, and I don’t know who sent it. It's not visible in my bank statement, and I don’t want the money either. Should I directly contact the Ministry of Home Affairs?
Your concern, in this case, demands due prudence by way of making a written application with formal representations to MHA detailing your case along with all the relevant facts such as the unsolicited transfer of ₹ 3929, its repercussions in the shape of a debit block on your account, and efforts to resolve the matter with the bank involved. Though the MHA has jurisdiction over issues connected with cyber security and financial transactions while suspecting fraud or illegal activities, this formal submission can work as a record of your non-involvement and genuine concern that may hasten a reply from the Ministry.
Given the circumstances, you should not write to the Ministry of Home Affairs directly. You should rather engage your bank, as this is the right and proper forum to deal with the account block. The bank should communicate the cyber-complaint with the Ministry and take subsequent instructions. All such communication with your bank must be noted, and you should also make it clear that you do not know how the money got credited to your account. If the issue remains unresolved, consider seeking legal advice to explore further actions, including potential complaints to consumer protection authorities.
Sir, firstly you should contact your bank’s customer service or fraud department to understand why your account was frozen and the steps to resolve it. You should request documentation related to the complaint including case details. If necessary you may file a complaint with cyber police. It is advised to consult an expert lawyer who will assist you with the best course of action. For further legal assistance contact us on our helpline number.
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