- This topic has 3 replies, 2 voices, and was last updated 1 year, 2 months ago by
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UI’m a government job aspirant (SSC CGL) and believe I am very close to selection. To earn some pocket money, I run a small cyber cafe type business from my home, offering services like exam form fill-up, photocopying, and printing.
On 23/11/2024, I received two small payments in my Jio Payment Bank account via Google Pay Business: ₹120 from one person and ₹35 from another, totaling ₹155. I believe these individuals were residents of West Bengal, though I don’t remember exactly, as this is a regular occurrence in my small business.
Subsequently, on 7th February, 2025, my Jio Payment Bank account was frozen. Upon contacting the bank, I was informed that the account was blocked due to a cybercrime complaint.
The bank provided the following details related to the complaint:
Complaint Date: 27/11/2024
Acknowledgement Number (ACK): xxxxxxxxxxxxx
I was surprised to learn that the complaint has been filed with the Andhra Pradesh Police. I have no connection to Andhra Pradesh and the transactions were with individuals I believe were in West Bengal.I have been trying to contact Jio Payment Bank via email and phone to understand the specifics of the complaint and get my account unfrozen, but they are not responding. There is only around ₹4200 in the frozen account.
Given the small amount involved (₹4200) and the fact that it was payment for a legitimate service in my small business, I am hesitant to pursue an expensive legal route (as cost is more than my bank balance). However, I am concerned about the following:
Is there a possibility of an FIR registered in my name that I am currently unaware of?
Will this bank freeze or a potential unknown FIR cause problems during the document verification process for my government job? Could it lead to instant disqualification or a delay in my joining date?
If there is an FIR, is it possible for the High Court to quash it, considering the small amount and the nature of my business?
My other bank account is not frozen, which makes me believe this issue is specific to these transactions in my Jio Payment Bank account.
I maintain my complete innocence and have no involvement in any kind of scam or shady activities to my knowledge. I suspect my account might have been flagged due to some miscommunication or misinterpretation.I am seeking advice on how to best proceed in this situation, considering my limited funds and the potential impact on my government job prospects.
I am thinking leaving as it is, after getting my name on final merit list, I will hire a lawyer. Is my plan okay? I currently don’t afford lawyer due to financial condition.
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UMy issue is not with unfreezing. I am having anxiety if having account freezing (or possibly FIR) cause any issue in Document Varification after getting selected in Government Job. If so, does it mean instant disqualification or joining get delayed till I am proven innocent?
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SIn that post he explains about layer 2, layer 3 transactions and banks are supposed to freeze only the particular amount not entire account, which seems like a possibility in your case and **coming to the FIR part** file an RTI. Even this is mentioned in the above post!
Just go through them and come to a conclusion.
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