Raushan Kumar Singh reports SBI freezing his ₹25,000 account under cyber security without resolution. Choice4Voice.com highlights complaint, legal remedies & steps for redressal.
Complaint Summary : SBI Account Blocked ₹25,000 Complaint – Raushan Kumar Singh
| Details | Information |
|---|---|
| Complainant Name | Raushan Kumar Singh |
| Not disclosed | |
| Bank/Institution | State Bank of India (SBI) |
| Complaint Type | Account Blocked – Cyber Security Hold |
| Amount Blocked | ₹25,000 |
| Date of Block | 08/08/2025 |
| Issue Description | Account funds held under cyber security after cyber cell email. Despite multiple reminders and escalation to the branch and nodal officer, no response received. |
| Status | Unresolved |
| Authorities Mentioned | Cyber Cell Dhanbad, Branch Manager (Chainpur), SBI Nodal Officer Patna |
Full Complaint Write-up
Raushan Kumar Singh, an account holder at State Bank of India (SBI), has raised a serious complaint about his ₹25,000 being blocked under “cyber security hold” without any resolution or communication.
On 08th August 2025, he received an email from Cyber Cell Dhanbad to his home branch SBI Chainpur, directing certain action. However, when he approached his branch manager:
- The manager forwarded the email to the SBI Nodal Officer, Patna, but no reply was received.
- Multiple follow-ups were made via email and phone calls, but the nodal officer did not respond.
- Even after a reminder email was sent by the branch, there was still no reply.
- The branch manager ultimately told him, “We cannot do anything beyond this.”
As a result, the complainant has been suffering financial hardship and mental distress, with his ₹25,000 funds frozen indefinitely.
This case highlights serious lapses in SBI’s customer service, grievance handling, and accountability in cyber-related matters.
Choice4Voice.com’s First Stage Action
This case is now published on Choice4Voice.com as the first stage of escalation.
If State Bank of India fails to act promptly and release the complainant’s funds or provide a proper written explanation, Choice4Voice.com’s legal team may support the complainant in filing regulatory complaints and consumer cases against SBI.
What Legal Cases Can Be Filed?
If SBI does not resolve the matter, the complainant may pursue the following remedies:
- Consumer Protection Act, 2019 – For deficiency in service and financial harassment.
- RBI Banking Ombudsman Scheme – Formal escalation against SBI for inaction.
- Civil Court Claim – For recovery of funds and damages for mental harassment.
- Writ Petition in High Court – If fundamental rights to property and livelihood are affected.
- IPC Section 406/409 (Criminal Breach of Trust) – If SBI is found withholding money without due process.
Steps SBI Should Take Immediately
To resolve this complaint fairly, SBI must:
- Provide a Written Status Update – Clarify why the account was blocked and under what authority.
- Release the Held Funds – If no official justification is valid.
- Improve Communication – Ensure nodal officers respond within mandated RBI timelines.
- Support Cybercrime Investigations Transparently – Without harassing genuine account holders.
- Offer Compensation – For financial hardship and mental distress caused.
Guidance for the Complainant
Choice4Voice.com advises the complainant to:
- Preserve all emails, reminders, and communications with SBI and Cyber Cell.
- File a written complaint to SBI’s Grievance Redressal Cell (mandatory before Ombudsman).
- Escalate to the RBI Banking Ombudsman if no resolution is received within 30 days.
- Consider filing a consumer case for harassment and financial loss.
- If required, move a writ petition in High Court for immediate relief.
Q&A Section
Q1: What is Raushan Kumar Singh’s complaint against SBI?
His account with ₹25,000 was blocked under “cyber security” without proper resolution.
Q2: When was the account blocked?
On 08th August 2025.
Q3: Which SBI branch is involved in this complaint?
SBI Chainpur branch.
Q4: Which authorities were mentioned in the case?
Cyber Cell Dhanbad and SBI Nodal Officer, Patna.
Q5: Did the nodal officer respond to the complaint?
No, despite multiple reminders, no reply was received.
Q6: What rights does a customer have if funds are blocked?
The right to transparency, timely resolution, and written communication from the bank.
Q7: Can SBI block funds without informing the customer?
No, unless mandated by lawful investigation, and even then, the customer must be informed.
Q8: What is the role of the Banking Ombudsman in this case?
To investigate SBI’s inaction and order refund/compensation if needed.
Q9: How long does SBI have to resolve complaints as per RBI?
Generally within 30 days under RBI’s grievance redressal norms.
Q10: Can the complainant claim damages for harassment?
Yes, under the Consumer Protection Act, 2019.
Q11: What legal remedies are available beyond SBI?
Approaching the RBI, Consumer Court, Civil Court, or High Court.
Q12: What documents are important in such cases?
Emails, reminders, bank statements, and cyber cell notices.
Q13: Can cyber cell freeze funds without informing the customer?
They must route directions through the bank, and the customer should receive due notice.
Q14: What happens if SBI ignores cyber security complaints?
It may amount to negligence and deficiency in service.
Q15: What immediate step should Raushan Singh take?
File a formal grievance with SBI and RBI Ombudsman.
Q16: How can Choice4Voice.com help in this case?
By publishing complaints, creating pressure, and guiding legal escalation.
Q17: Is ₹25,000 recoverable if wrongly blocked?
Yes, through grievance redressal or legal intervention.
Q18: How long does it take for RBI Ombudsman to resolve cases?
Generally 3 months from filing.
Q19: What is the liability of SBI in this matter?
To ensure compliance with cyber security orders and provide timely updates.
Q20: Can compensation be claimed for mental stress?
Yes, both under consumer law and civil claims.
📌 This article will remain live on Choice4Voice.com until SBI responds with transparency, unblocks the funds, and provides a proper resolution.
