Jay Bhatt has raised a serious complaint against SBI Keshod Branch for freezing ₹7,100 in his account for over 3 months without explanation. Full details published on Choice4Voice.com
Note: If this issue is resolved, the concerned brand or the complainant may contact us at support@choice4voice.com. After proper verification, we will either update this article as “Resolved” or delete it, ensuring fairness to both parties.
Complaint Summary
| Customer Name | Jay Bhatt |
|---|---|
| Not disclosed | |
| Company/Bank | State Bank of India (SBI) |
| Branch | Keshod Branch |
| Complaint Type | Account Frozen / Banking Negligence |
| Amount Involved | ₹7,100 |
| Duration of Freeze | 3 months |
| Issue Reported | Account balance blocked without explanation |
| Authorities Contacted | SBI Branch Staff, SBI Customer Care, Cyber Cell |
| Status | Unresolved |
| Source | LinkedIn Post URL |
Detailed Complaint
Mr. Jay Bhatt has publicly raised a grievance against the State Bank of India (SBI), Keshod Branch regarding unjustified freezing of funds in his account.
Key Issues Reported:
- A sum of ₹7,100 has been frozen for the last 3 months without any official explanation.
- Despite multiple follow-ups with SBI branch staff, customer care, and even the Cyber Cell, no proper response has been provided.
- Shockingly, SBI has not even asked him for any supporting documents or proof that might be required for release of funds.
- This prolonged inaction has caused unnecessary harassment and financial stress to the customer.
Mr. Bhatt describes the situation as negligence and lack of accountability by India’s largest public sector bank. He warns that if not resolved, he will escalate the matter legally and through the media.
Why This Complaint is Concerning
- Lack of Transparency – No explanation given for freezing funds.
- Prolonged Delay – Money blocked for 3 months without resolution.
- Ignored Escalations – Despite contacting branch, customer care, and cyber cell, no outcome.
- Violation of Consumer Rights – Customer not informed of the reason or required compliance.
- Trust Deficit – Harms SBI’s reputation as India’s largest bank.
Choice4Voice.com’s View
At Choice4Voice.com, we believe that banks must follow due process before freezing customer funds. In this case, SBI’s approach reflects serious lapses in customer handling and transparency.
We recommend that SBI:
- Provide an immediate explanation for freezing the amount.
- Release funds if no legitimate reason exists.
- Establish clear communication with the customer regarding compliance requirements.
- Strengthen grievance redressal mechanisms to avoid prolonged harassment.
Such practices damage customer trust and can potentially lead to legal and regulatory scrutiny.
Frequently Asked Questions (FAQs)
Q1: Who is the complainant in this case?
A1: The complainant is Jay Bhatt.
Q2: Which bank is the complaint against?
A2: The complaint is against the State Bank of India (SBI), Keshod Branch.
Q3: What is the issue raised?
A3: SBI froze ₹7,100 in Jay Bhatt’s account for 3 months without any reason.
Q4: How long has the money been frozen?
A4: The funds have been blocked for over 3 months.
Q5: What amount is involved?
A5: The frozen amount is ₹7,100.
Q6: Did SBI provide any explanation?
A6: No, the bank has not explained the reason for freezing the funds.
Q7: Did the customer approach higher authorities?
A7: Yes, he contacted branch staff, SBI customer care, and Cyber Cell, but received no proper response.
Q8: Were any documents requested from the customer?
A8: No, SBI has not asked for any documents or compliance proof.
Q9: What action has the customer threatened?
A9: He plans to escalate the issue legally and raise it in the media if not resolved.
Q10: Is the complaint resolved?
A10: No, the issue remains unresolved.
Q11: What are RBI guidelines on freezing bank accounts?
A11: RBI allows freezing only under suspicion of fraud, legal orders, or compliance requirements — but the customer must be notified.
Q12: Can a bank freeze funds without notice?
A12: No, as per banking norms, the customer should be informed and given a chance to comply.
Q13: What should customers do if their funds are frozen?
A13: Contact branch, escalate to bank’s Nodal Officer, and file a complaint with the Banking Ombudsman / RBI CMS portal.
Q14: What are the customer’s legal options?
A14: File a case in consumer court or approach the Banking Ombudsman.
Q15: Why is this complaint important for other customers?
A15: It highlights how even small amounts can be wrongfully frozen, affecting trust in banks.
Q16: Has Choice4Voice.com received similar complaints against SBI?
A16: Yes, SBI frequently faces complaints related to poor grievance handling and unexplained account actions.
Q17: Can the complainant claim compensation?
A17: Yes, if proven negligent, the bank can be held accountable for harassment and delay.
Q18: What is the role of the Cyber Cell here?
A18: Cyber Cell investigates cases of online fraud, but since SBI has not cited fraud, the freeze remains unexplained.
Q19: How long does it usually take to resolve frozen account issues?
A19: Typically, such cases should be resolved within 7–15 working days, not months.
Q20: How can others report similar issues?
A20: Customers can submit their banking complaints at Choice4Voice.com to get visibility and pressure banks for resolution.
Choice4Voice.com Is Here to Help You
If you are facing a similar issue and would like our support in highlighting your concern, we are here to assist.
Simply write a LinkedIn post and tag our official page Choice4Voice.com
Submit your complaint directly : https://choice4voice.com/submit-your-complaint/
Our team will review and feature your case on our website to ensure it gets the attention it deserves.
