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ATwo weeks ago, I received a sudden message stating that an amount in my bank account was on hold. Confused about why this had happened, I contacted SBI customer care. They advised me to visit the main branch for further clarification.
I went to the main branch, where they checked my bank statement. There was no record of a transaction for ₹8,582—the amount that was on hold. Even after reviewing the reference details, they found no relevant information, just a random number. Since they couldn’t determine the reason, they asked me to submit a written letter and an email, which I did. They mentioned that the hold could be due to a fraud alert.
Following their suggestion, I contacted the cyber security helpline (1930). They provided me with a police station’s contact number. When I called, they informed me that it was related to some chain link issue and directed me to another police station. However, despite trying for a week, no one answered my calls.
Today, someone finally picked up, but the officer was rude and insisted that I must visit the Aimangala Police Station in person to resolve the issue. She said bluntly, “If you want your money, come here. Otherwise, don’t bother.”
I haven’t done anything wrong, yet my money is being withheld. It’s possible that I received the amount from a friend or a friend of a friend, but I fail to see why I should be held responsible for this. Moreover, traveling 5 to 6 hours just to visit the police station is extremely inconvenient.
How can I resolve this issue without having to make such a long trip?
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HIf money from a cyber fraud has been deposited into your account, whether knowingly or unknowingly, you would be seen as a suspect and considered to have received proceeds from a crime. Hence, the authorities put a lien on your bank account to secure that amount.
To get the lien removed and access your funds again, you’ll need to file an application with the appropriate magistrate. In your application, you need to explain the situation and provide evidence to show that you weren’t involved in the fraud and received the money legitimately. The magistrate will review your case and decide whether to lift the lien based on the information you provide.
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