That's a challenging situation!

If your savings bank account has been put in debit freeze by the Assam police due to alleged fraudulent UPI transactions, here's a step-by-step plan to help you resolve the issue:

Immediate Actions

1. *Gather information*: Obtain a copy of the FIR (First Information Report) or the complaint filed against you. This will help you understand the allegations and the investigating officer's contact details.

2. *Contact the Assam Police*: Reach out to the investigating officer or the police station where the complaint was filed. Explain your situation and provide any necessary documentation to prove your identity and account ownership.

3. *Verify the authenticity*: Confirm with your bank whether the debit freeze was indeed initiated by the Assam police. Also, check if there are any suspicious transactions on your account.

Visiting the Assam Police

1. *Schedule a meeting*: Coordinate with the investigating officer to schedule a meeting at the Assam police station.

2. *Gather supporting documents*: Bring the following documents to support your case:

- Identity proof (Aadhaar, PAN, etc.)

- Address proof

- Bank account statements

- UPI transaction history

- Any other relevant documents

3. *Cooperate with the investigation*: Be prepared to answer questions and provide information about your account and transactions. Cooperate fully with the investigation to clear your name.

Additional Steps

1. *File a complaint with the bank*: Inform your bank about the situation and provide them with a copy of the FIR or complaint. They may be able to assist you in resolving the issue.

2. *Contact the Mumbai Police Cyber Crime Cell again*: Update them on your situation and seek their guidance on how to proceed.

3. *Consider consulting a lawyer*: If you're not comfortable dealing with the police directly or if you feel your rights are being violated, consider consulting a lawyer specializing in cyber law or banking law.

Preventative Measures

1. *Monitor your account regularly*: Keep a close eye on your account transactions to detect any suspicious activity.

2. *Use strong security measures*: Ensure you're using robust passwords, two-factor authentication, and keeping your devices and apps up-to-date.

3. *Be cautious with UPI transactions*: Be careful when making UPI transactions, and verify the recipient's details before initiating a transfer.

By following these steps, you should be able to resolve the issue and have your account unfrozen. Remember to stay calm, cooperative, and informed throughout the process.

Mumbai Police says Assam Police can unlock the account means Assam Police is aware of UPI transaction from that account. Bank to Bank transfer without clearing means Assam Police knows both banks without clearing rate implemented in simultaneous knowledge of both bank accounts. That means Assam Police can withdraw cash from one bank and deposit it in the other bank without showing source of funds as cleared to deposit. That is terrorism in Assam validated by Indian Corporate Houses, families or otherwise. Bank to Bank UPI transaction with third-party payment agency not a clearing bank means Assam Police knows both bank accounts vide both banks along with middleman involved. That means Assam Police can withdraw money from one bank and deposit it in other bank vide middlemen without middleman cleared to deposit with credentials establishing depositor as bona fide. That is terrorism in Assam under aegis of Assam Police funded by Mumbai Police when third-party payment agencies are listed on BSE. When Delhi Police disagrees, BSE listings don't have bearing on NSE or Parliament of India is the middleman when third-party payment agencies cite the government of India as their licence. If you read this, Mumbai Police, Assam Police, and Delhi Police licence me to write this or frauds are publishers with network credentials established on the worldwide web, whenever established on the worldwide web as pointing to physical address with licence to ink and paper. When frauds are publishers, police is ink or publisher was declared fraud dishonestly.

Ah Yes

It's easier to freeze the whole account than to freeze the suspected transaction

The Law says under 102 Crpc, the cops can only freeze the particularly suspected transaction

However Banks have to then create a lien for the suspected amount and that's a huge headache which needs a DGMs sign off or AGMs sign off for any debt that is not a loan due to the bank plus a notice to the Banks legal team

That's a nuisance

Instead it's easier to freeze the account and change the status into inactive

Good news is — activating the account again is much much faster than reversing a lien

My advise

Don't mix your accounts

Keep one dedicated account for online payments , gambling payments, crypto payments etc in a separate bank

Keep regular accounts in entirely separate banks

Problem is such credits from flagged payment sites are notified to the cops especially Crypto and Gambling related credits

There is no TDS here

So if you talk to the cops, they will often give a order within a day

This seems to be a new fad among people

Hi, thanks for R2A.

Having assisted a fair number of my clients in the removal of the frozen status from their accounts, I can understand your frustration.

You should push your branch manager to share the details of the particular police station that has frozen your bank account, along with their contact details. You can contact the officer and explain how the disputed transaction ended in your account. Further, you can request them to pass the necessary directions to the concerned bank to remove the freeze status on your account. This is the easiest way.

If it does not work, the next option is to file a petition before the concerned High Court. I have recently connected many clients with my local lawyer connections in different states, and we have seen great success in getting favourable orders for the removal of the block/freeze status.

I hope this helps.

Having your bank account frozen can be stressful, especially if you're innocent. Whether it's due to a fraud investigation, cybercrime complaint, or regulatory action, here’s a step-by-step guide to unfreeze your account as quickly as possible.

🚨 Step 1: Identify the Reason for the Freeze

🔹 Contact your bank’s customer support and ask why your account has been frozen.
🔹 Request official details, including the complaint reference number and the agency involved (Cyber Police, MHA, RBI, etc.).
🔹 Check your email/SMS for any notices from your bank or law enforcement.

📞 Step 2: Contact the Investigating Authority

🔹 If the freeze is due to a cybercrime case, your bank will usually provide details about the police station or investigating officer (IO) handling it.
🔹 Reach out to the Cyber Crime Police in the jurisdiction where the complaint was filed.
🔹 If possible, visit the office in person for a faster resolution.

📝 Step 3: Gather & Submit Required Documents

Most authorities require these documents to review your case:
✅ A handwritten application explaining your case.
✅ Bank statements to prove legitimate transactions.
✅ KYC documents (Aadhaar, PAN, etc.).
✅ Proof of transaction details (WhatsApp chats, emails, payment receipts).
✅ Income proof (if requested by the bank).

📌 Tip: Always get a written acknowledgment when submitting documents.

⚖️ Step 4: File a Complaint If Authorities Don’t Respond

If the investigating officer is unresponsive or blocks your communication:
🔹 Send an email to the higher authorities (Cyber Crime HQ, RBI, MHA, etc.).
🔹 File an RTI (Right to Information) request to get updates on your case.
🔹 Seek legal assistance if your funds remain frozen for an extended period without resolution.

🚀 Step 5: Prevent Future Freezes

✅ Avoid third-party payments in P2P trading or online transactions.
✅ Use a registered payment gateway instead of direct bank transfers for business.
✅ Regularly check for suspicious activity in your account.

💬 Have You Faced This Issue?

If your account has been frozen due to a cybercrime case, share your experience in the comments! Let's raise awareness and push for better investigation methods that don’t harm innocent individuals. 🚀

🔄 Upvote & share to help others facing the same issue!

In such cases, the following graph should be reversed. Please do not worry; it will be unfrozen if no offense is found against you.

How to Unfreeze Your Bank Account When It’s Blocked by Cyber Police?

Here’s a answer from my side.

1. Contact Your Bank: Call or visit your bank and ask for detailed information about why your account is frozen. Request specifics such as:

- The police station and state from where it's applied.

- Transaction ID and amount related to the freeze

- Contact details of the police officer handling your case (email, phone number, name, and rank)

- Most important the Acknowledgement number provided by the cyber police.

• Some details may not be provided.

2. Send an Email : Write an email to the LEA(Cyber police) with all the details you collected. Ask for instructions on how to unfreeze your account. Follow up with a phone call for further assistance.

3. Visit the Police Station : If email and phone calls don’t work, go to the police station in person with an application to request the removal of the account freeze.

• They may request you to transfer the amount to the sender who raised the complaint.

4. Request an NOC : When your issue resolve, ask the cyber police to send a No Objection Certificate (NOC) to the bank’s fraud team. This document confirms that they have no objections to unfreezing your account.

5. Follow Up : After receiving the NOC, contact the bank to ensure they process the unfreeze. Also, follow up with the cyber police for any updates from the bank.

Additional Considerations : The cyber police might send the No Objection Certificate (NOC) to an incorrect email address instead of the fraud team’s address. Additionally, the bank may take several days to process the NOC after receiving it.

6. Escalate if Necessary : If the bank doesn't provide the required details or if you still face issues, escalate the matter by asking the bank to raise a complaint. You escalate it within the bank by contacting higher-level officials or customer service departments to ensure your problem is addressed. But after receiving the cyber police details your responsibility to contact the cyber police to resolve the issue.

Note: The bank can not remove the freeze without the NOC from the cyber police. If the cyber police do not issue the NOC, you may need to escalate within the police department as well. The cyber police will not provide the No Objection Certificate (NOC) directly to you. This important document can only be sent to the bank or its officials.

If the bank said your account was frozen by orders from cyber crime department, somehow you got involved in some offense or other. It need not necessarily mean you did some offense, it could mean your account somehow got involved, may be without your knowledge. It could be a genuine mistake on part of the authorities if you are not involved in any cyber (or other) offense.

The best you can do is, get the details from the bank and then approach the proper authorities, don’t wait for some cop come to you. If that happens, they will certainly ask you, why you did not approach them after the bank told you about it. Don’t waste time looking for some solution on Quora, this is not the right place.

You can not leave the issue like that, it is in your interest to get your case cleared as soon as possible.

First of all if'ur account is frozen by police due to any cyber crime complaint, then there is no need to panic if you haven't done anything wrong.

If'ur bank account has been frozen due to suspected cyber crime, here're some steps you can take.

* Contact'ur bank: Reach out to'ur bank's customer service department or visit'ur local branch to understand the exact reason for the account freeze. This'll help you in understanding in which state/city FIR is registered.

* Consult'ur Lawyer: very basic & important step to start is talk to cyber crime lawyer/advocate. You should not hesitate in paying his consultant fee. He is helping you in this situation of come out. He is expert in the domain & can help you explain which documents to give to police & which not. A good lawyer can get'ur account unhold amount or bank account in 7 - 10

* Co-operate with the investigation: This is the most crucial step. Respond promptly to requests from law enforcement & provide all requested information. Demonstrating co-operation shows'ur willingness to assist the investigation. But I highly suggest to talk to lawyer before talking to police, because police officer's call you to their police station to give some documents & give statement, but later when you reach police station'll threaten to arrest you, which'll be complex situation to handle.

* Contact the Investigating Officer (IO): IO assigned to'ur case is'ur primary point of contact. Schedule a meeting or phone call to discuss the details & clarify any misunderstanding. Explain the inconvenience caused by the freeze & your desire for a swift resolution. But I highly suggest to talk to lawyer before talking to police, reason already explain earlier.

* Gather evidence of Legitimate activity: (if applicable): If you believe'ur account activity was legitimate, gather evidence like receipts or emails to support‘ur claim. This can help convenience authorities that'ur account shouldn't remain frozen.

* File a petition or representation: Depending on'ur situation & legal advice, you may need to file a petition or representation with the appropriate court or authority to challenge the account freeze & seek relief.

* Before the Investigating Authority: Section 102 (3) of the Code of Criminal Procedure (CrPC) has been amended to allow the investigating authority to make a decision about whether to return seized property, including frozen bank account, during an investigation.

* Before the Megistrate: IIf The Investigating Authority doesn't provide relief, parties can approach the relevant Megistrate under either Section 451 or Section 457 of the CrPC.

I write under the assumption that you are genuinely not a money launderer and am giving general, non-legally or jurisdictionally precise information.

When you boil down most anti-money laundering laws they split into three parts:

1. Know your customer (KYC)
2. Where is the money coming from
3. Where is the money going to

To cover them off in turn:

1. Can you prove who you are? Drivers licence, passport, social security/healthcare card and utility bills help here.
2. Can you prove where the money is coming from? An employment contract or certificate of incorporation for the business you run should do it.
3. Where is the money going to? Do you regularly make payments to ‘suspect’ countries (e.g. North Korea, Nigeria, Afganistan) or to people who might be suspect (you might have a legitimate relationship with someone who has criminal as well as legal businesses, e.g. a landlord who happens to support a terrorist organisation).

Generally if you are legit and your bank isn’t just using this as an excuse to ditch an unprofitable client it should all be resolveable. Let us know how you get on!

When bank account is frozen by police vide Cyber Crime Department network credentials establishing use of bank account online were validated by worldwide web with servers worldwide keeping records of transaction vide clearing banks and emails. That means Chennai City Police has Power of Attorney from Government of India to glean credential statistics from any country in the world. When Police is Attorney, Government is Judiciary validated by UNO and ICJ. That means account is international and its thaw the prerogative of a credit card establishing account both sides to keep you sunny on one. If you haven't been offered a credit card yet, you will when you establish power of attorney of Chennai City Police with written application to banking officials asking for relief. If they don't offer you a credit card instead, Chennai City Police forged the Power of Attorney they have to establish your network credentials from worldwide web inspite of your identification issued from the exclusive jurisdiction of the government of India.

Background:

I gamble on platforms like 1Xbet which uses payment aggregators to send or receive money. The bank had initiated a field investigation which was positive, I have also submitted the proof of income and also narration of last 6 months transactions- after all this they are telling me that my account will not be un-frozen.

They are unable to ascertain the different payment aggregators which are used by the gaming platform.

The thing I don't understand is since this is a $ 3 billion industry in India and 1xbet being a prominent platform at that, why the bank has an issue with unblocking. It's probably not the first case they've dealt with. I'm facing alot of hardship as bulk of my funds is stuck in that account and I'm unable to pay EMI’s because of this. The bank officials are not at all supportive, they just keep telling me that the account can not be unfrozen and are not helping me find a way.

I'm dealing with gambling addiction as well the torment from the bank- All of this has taken a toll on my mental well-being.

The sad part is the Govt. allow such platforms to advertise and operate, tax their earnings but punish the people who play on them. The little man always gets screwed.

————— ————— —————

Update - After 1 year of struggle and regular follow up, the bank has decided to close my account.

You are very right. When it is a bank to bank transaction the culprits can be caught.

We had a similar bad experience in November 2023. We lodged the complaint visited police station multiple times. Chatted on whatsapp.

To my surprise the Haryana police officer wrote word Proud for the word fraud. Then I lost hope.

Approached their senior most officer on e mail. NO response no acknowledgement despite follow up.

To sum police is short of staff, know nothing about cyber crime and are ill equipped. In my case it was a scam and reaching the beneficiary’s bank would have solved countless cases. But who cares.

Here's how you can recover the money sent to the wrong UPI ID.

1. According to the Reserve Bank of India (RBI), if an unintended transaction occurs via a digital service, the harmed party must first lodge a complaint with the relevant payment systems like Paytm, Google Pay, PhonePe, etc., and ask for a refund via their customer support departments.

2. The person may also lodge a grievance on the NPCI portal. Complainants must fill out an online form provided under the 'Compliant' section of the Dispute Redressal Mechanism page on the National Payments Corporation of India (NPCI) website (npci.org.in).

3. The complainant must provide information like the UPI transaction ID, virtual payment address, transmitted amount, transaction date, email address, and mobile number.

4. The complainant must also upload the bank statement showing the amount deducted from the account for the transaction.

5. The basis for the complaint should be carefully selected as "Incorrectly transferred to another account."

6. The complainant can escalate the issue with the payment service provider (PSP) bank if the problem still needs to be sorted. If the issue remains unresolved, the consumer can also approach the banking ombudsman or the ombudsman for digital complaints.

Happy Reading :)

Please upvote.

Hi, thanks for R2A.

We have seen an increasing number of reports coming in through our WhatsApp Helpline where the police has frozen the entire account. We have even seen a few cases where they have incorrectly frozen an account due to a clerical error in the account number.

Here, one needs to understand that powers under the Code of Criminal Procedure, 1973, were available to the police earlier as well. However, this awareness that they can utilise this power in this manner has come recently across the country - and this is where it gets misused. When transactions and their beneficiaries are tracked, the actual amount does not matter. Even if you are the seventh person from the source account, your account can get frozen.

Apart from operational challenges, only a few police stations that we have seen understand the difference between marking a lien for a particular amount of the transaction and freezing the entire account. So, this awareness is yet to come. For the police stations that are aware of this, they only send a notice to freeze the entire account in cases where it is actually needed.

If an account is frozen, the investigation officer can give the necessary directions to the bank to de-freeze the account. This, mostly, does not work. The person whose account is frozen is in city A and the police is from city B, and A and B are a thousand kilometres apart. The most common grievance is that the police officers do not pick up calls or respond to emails.

An effective way is to get a petition filed for the same at the concerned High Court of the state the police belongs to. We regularly connect our clients with lawyers from across the country so that the petition can be filed and an order for de-freezing the account(s) can be obtained.

Hope this helps. Thanks!

1. Notify the bank immediately and tell them to suspend the account, any transactions that day to be returned “account suspended”.
2. Speak to the Fraud Department of the bank and provide them the details as they may be able to trace through the audit system where the claim came from and recover it of you. It is not as easy as it sued to be when I was in retail banks, and many will tell you it can’t but yes, it can still be done as a recalll. It is just that many banks don’t want to be bothered as it is time consuming. If the branch will not co-operate got straight to the Fraud Deparment of the legal section.
3. Notify the Police as there are likely to be impersonation attempts and it will provide them with a trail if there are other events on a similar line reported by other people. Whilst on the whole I do not have a lot of time for the UK Police as far as this sort of crime is concerend at least for insurance purposes you have done so. The Police claim that they no longer deal with fraud (which is odd as it is a crime ! ) ; but pass you on to an operation in the UK called “Action Fraud”, which I discovered when I had my Current Account compromised, actually have no “teeth” and are really just a central recording operation, but actually take no action nor have any legal enforcment power as such. That includes brining cases on behalf of those subject to the Fraud. Frankly a waste of space, the sloping shouldered Police are no better, too busy playing “Z-Cars” -:)
4. Open a new account with a completely different, unassociated bank outside you main banking circle. In the UK we have six main banks, who work pretty much as a tight consortium and frankly no safer than the other. However some of the smaller private banks (notably Co-Op, Virgin and Britannia Banks) because they are smaller and lower voloumes tend to be more vigilant.
5. Even with this new account, it should be operated manually, that is to say no automated payments such as Direct Debits and Standing Orders. Ideally work in cash through an ATM, or a Debit Card, all of which can be traced more easily and are under you control.
6. DO NOT transfer balances or mandates from the account which has been compromised to the new account and bankers, as the fraudsters are likely to find the audit trail and you will be back to the begining.
7. If you are employed and receive a payroll, speak to your payroll/staff department and ask them to change the destiantion bank for your payroll to the new account you have opened with the different bank.
8. Monitor your new account as much as you did your old account. Report any odd transactions to their fraud department, and share it with your former bankers too.
9. Most importantly notify ALL your Creditors what has happened and that you will be paying them manually for the immediate future.
10. Take your statements weekly and check them; if you have on line banking, check the account daily at about mid-day (for over-night transactions) and about 15:00 hours for entries just before close of business (both periods a favourite for fraudsters).

In the UK we do have a central reporting operation called Action Fraud, but frankly they are only an event recording operation and have no legal “clout” at all; and don’t expect them to co-operate too much with the Police, despite the fact that both parteies should be talking to eachother, regrettably they do not see banking fraud as important than playing Starsky and Hutch or Police Interceptors charging down the M6 ! -:)

In my case although we never actually got to the bottom who tried to undermine my account, at least my accounts are on a “fraud watch”, even my new bankers.

The boom in UPI transactions has also led to a rise in numbers of online frauds.

Some safety measures we can take to protect ourself from UPI Frauds:

1. UPI PIN

• Never share your UPI Pin with any unknown person. Note that the Pin is not needed for receiving money in your UPI account. Also, change your UPI PIN at regular intervals.

2. Websites

• Do not conduct any transactions with suspicious websites or apps that claim to offer incentives or cashback. Also, avoid downloading third-party or unofficial apps on your mobile phone.

3. Access

• Avoid giving access to your mobile phone or computer to customer care representatives or other unknown people. You can also use a fingerprint lock on your UPI app to secure it.

4. Payment Limit

• You can set a daily transaction limit on your UPI apps so as to minimise potential losses.

5. Carefulness

• Always look up the actual address of the agency or organization that you wish to transact with. Besides, read money requests carefully before making payments.

Other precautions that you can take:

• Use a secure WiFi connection that you trust and avoid open ones.
• Be cautious while entering your UPI Pin in public places.
• Never open links from unknown sources.
• Use a minimum number of UPI apps.

Through Instagram I have entered into fake trading account and put nearly 11.5 lk in that fake trading account. I got doubt it was fake account, I went to Hyderabad cyber cell and raised the complaint. After that I have started to withdraw the amount from that website given by fraudsters using there withdrawal option. So I withdraw all 11.5 lk in 5 transactions and I received that amount in my HDFC account. The amount received I started to transfer into my KOTAK account. But after 2 weeks suddenly I got a message that 2 lk debited from my account from cyber cell and then they deactivated the whole account, when I checked with kotak they confirmed that they received legal notice to debit 2 lk from account. After 1 week cyber cell freezed my HDFC account also which is my salary account and my ICICI account also got freezed. Now it seems like from the other side who send money to my account are started to lodge complaint on me in which I am not involved and please suggest how unfreeze all my bank accounts

Please suggest how to come out from this situation.

1. Fake Payment Requests: Scammers pretend to buy something from you and send a payment request, tricking you into entering your UPI PIN, which withdraws money from your account. Tip: Never enter your PIN to receive money; receiving payments doesn’t need a PIN.
2. QR Code Scams: Fraudsters send you a QR code, claiming it’s to transfer money to you. Scanning it withdraws money from your account. Tip: Don’t scan QR codes from strangers; receiving money doesn’t require scanning a QR code.
3. Impersonation: Scammers act as bank officials and ask for your UPI details. Tip: Banks never ask for your PIN or OTP over the phone.
4. Fake Apps: Scammers create fake UPI apps to steal your information. Tip: Only download UPI apps from official app stores.

By being cautious and following these tips, you can avoid falling victim to UPI scams​. To avoid such scams, never share your UPI PIN, verify payment requests carefully, and prefer meeting in person to finalize transactions and also you should buy a cyber insurance and fell free from scams and i know about a company called Mitigata you can check their website for personal insurance they offer very perfect personal cyber insurance in reasonable price.

This is happening more and more once banks were given the freedom to attack any account holder they feel is making suspicious cash deposits. We all know they must report any cash deposits of $10,000,00 or higher, but most don’t know your bank may report any cash deposits they deem suspicious. This money can be held until authorities are notified and they do a full investigation into your business and personal life. So lesson learned, do not make any large cash transaction deposits, break them up to smaller amounts of below $5,000.00 or make friends with your bank manager, go to them and explain your business, and the nature of why you need to deposit cash. I swear there must be a reward offered to bank personnel who catch a money launderer. lol

The bank itself can only put your account on hold on the instructions of some police, cbi etc. They should have an evidence that they are instructed to do so. If not, you can file a complaint with NCH.

My wife’s Bank account was wrongly blocked on non-completion of KYC. This does not make sense because KYC is needs for account opening. I filed a case against the bank on NCH. The amount was unblocked in just 1–2 days. She also got a call that the KYC is now complete (which was stuck for 2–3 weeks).

So, I think these banks do that to manage their own liquidity issues, and if so, that’s clearly illegal. When consumer case notice is received, the companies have to provide an explanation if they refuse to resolve your problem (which they do not have).

In the UPI system, there is a chance your account could be flagged or frozen if someone sends scammed money to your QR code, but it's not a guaranteed outcome. Here's what you need to be aware of:

Scenario 1: You're unknowingly involved

• If a scammer uses your QR code to receive money they obtained fraudulently, it might raise red flags with your bank.
• However, the focus would be on identifying the scammer, not necessarily penalizing you.

Scenario 2: You're aware of the scam

• If you knowingly accept scammed money, your account is at a higher risk of being frozen. This is because you're actively participating in fraudulent activity.

What to do if you suspect scammed money:

• Don't spend the money.
• Report the transaction to your bank immediately. Explain the situation in detail.
• Cooperate with any investigation your bank initiates.

Here's how to protect yourself:

• Never share your QR code with anyone you don't trust.
• Double-check the name and details before confirming any UPI transaction.
• Educate your staff about QR code scams.

how to report fraud:

If you believe you've been a victim of UPI fraud, you can also report it to the National Payments Corporation of India (NPCI) using their complaint portal Register a Complaint (www.npci.org.in/register-a-complaint).

By following these steps, you can minimize the risk of your account being frozen and help authorities track down scammers.