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Submit your complaint →Badal Kumar, a Data Entry professional at Amazon, has filed a complaint against IndusInd Bank after his and his father’s accounts remained frozen for over three months despite repeated visits to Sector 58 and 63 Noida branches. The bank cited multiple inconsistent reasons and still failed to release funds. Read the full story, legal remedies, and how Choice4Voice.com helps victims of banking negligence.
Complaint Summary : IndusInd Bank Account Freeze Complaint: Amazon Employee Badal Kumar and His Father Struggle for 3 Months Without Resolution
| Particulars | Details |
|---|---|
| Complainant Name | Badal Kumar |
| Profession | Data Entry Professional at Amazon |
| Bank Name | IndusInd Bank |
| Branch Locations | Sector 58 & Sector 63, Noida (Pincode 281301) |
| Nature of Complaint | Account frozen for over 3 months; funds not released |
| Account Holder(s) | Badal Kumar and his father |
| Duration of Issue | Over 3 months |
| Branch Responses | Multiple contradictory reasons for freeze |
| Contact Number | 6200837069 |
| Account Number | 158409080920 |
| Complaint Platform | |
| Status | Unresolved |
Full Complaint Write-Up
Badal Kumar, who works as a Data Entry professional at Amazon, has raised a serious complaint against IndusInd Bank regarding an account freeze that has lasted over three months without resolution.
According to his LinkedIn post, both he and his father have been following up continuously with IndusInd Bank’s Sector 58 and Sector 63 branches in Noida (pincode 281301). Despite numerous visits, the bank has repeatedly failed to resolve the issue, providing a different reason each time.
Badal listed the sequence of responses given by the bank over three months:
- Initially, the bank claimed they didn’t have a KYC machine, advising him to visit another branch.
- Later, they said the account was frozen because the welcome kit was not received.
- On the third visit, officials claimed they had emailed for address verification and that the case didn’t fall under their branch.
- Finally, they alleged a mismatch between Aadhaar and current address, stating the account would now be closed and the refund released via bank draft.
Despite all these statements, no clear communication or refund has been provided so far.
Badal explained that he urgently needs access to his funds as loan payments are pending, yet the bank continues to delay, showing negligence and lack of customer empathy.
“Now I want money because loans are pending and we need cash. I request the bank to close my father’s account and release the funds,” Badal wrote.
This case highlights the systemic inefficiency in handling frozen account issues at IndusInd Bank branches and the mental stress caused to ordinary customers due to non-transparent banking operations.
Legal Case Can Be Filed
Several legal cases and formal complaints can be filed against IndusInd Bank in this matter. Below are all possible legal remedies and how Choice4Voice.com helps in each process:
- Consumer Protection Act, 2019 – Deficiency of Service
- IndusInd Bank’s failure to unfreeze the account despite repeated follow-ups qualifies as a deficiency of service.
- Choice4Voice.com helps customers file a Consumer Court complaint (District Forum) with all required documentation, including branch visit proofs and communication logs.
- Banking Ombudsman (RBI Integrated Ombudsman Scheme, 2021)
- A case can be filed under RBI Ombudsman for unfair treatment, account freeze, or delayed fund release.
- Choice4Voice.com assists in drafting the formal Ombudsman complaint, ensuring all regulatory sections and case numbers are properly cited.
- Breach of Fair Practices Code
- RBI mandates all banks to maintain transparency and fairness in customer handling. The bank’s inconsistent replies and prolonged inaction violate this code.
- Choice4Voice.com provides guidance on filing a formal RBI escalation citing breach of the code.
- Mental Harassment and Financial Loss
- If the prolonged freeze causes emotional distress or missed loan payments, a compensation claim can be filed under Section 35 of the Consumer Protection Act.
- Choice4Voice.com helps in calculating the estimated compensation value and preparing affidavits.
- Mismanagement of Customer KYC Data
- Delays citing KYC issues may indicate non-compliance with KYC Maintenance Norms under the Prevention of Money Laundering Act (PMLA).
- Choice4Voice.com can help prepare an escalation letter to the Financial Intelligence Unit (FIU-IND) or RBI’s Department of Banking Supervision.
- Public Grievance Filing (PGPortal.gov.in)
- A direct complaint can also be lodged on PGPortal, which routes it to the Ministry of Finance or RBI for quick action.
- Choice4Voice.com assists in preparing the complaint format and ensures proper department tagging.
How Choice4Voice.com Works
Choice4Voice.com is a public-interest consumer advocacy platform that transforms ignored complaints into powerful online awareness campaigns.
Here’s how it operates in detail:
- Complaint Collection:
- Consumers submit issues through the official form available at Choice4Voice.com.
- Verification & Documentation:
- Each case is verified for authenticity through LinkedIn posts, receipts, or direct communication with the complainant.
- Public Exposure:
- Genuine cases are published as detailed, SEO-friendly complaint articles on Choice4Voice.com and shared on LinkedIn, increasing visibility and accountability.
- Legal Escalation Support:
- Choice4Voice.com assists consumers with ready-to-use complaint templates, including:
- RBI Ombudsman Complaint Format
- Consumer Forum Template
- Bank Grievance Escalation Email Draft
- Legal Notice Format for Deficiency of Service
- Choice4Voice.com assists consumers with ready-to-use complaint templates, including:
- Pressure Through Public Awareness:
- By highlighting real complaints on search engines and professional networks, Choice4Voice.com creates pressure on companies to act quickly.
Brand Background: IndusInd Bank
IndusInd Bank, headquartered in Mumbai, is a leading private sector bank offering a wide range of financial services including personal banking, corporate loans, and digital accounts. However, several customers have reported account freezes, KYC delays, and unclear refund processes, raising concerns about internal coordination and compliance.
In this case, inconsistent explanations across multiple branches have left the complainant stranded for months, showing gaps in IndusInd’s operational transparency and accountability.
Badal Kumar is a Data Entry professional at Amazon, where he handles digital cataloging and data processing tasks. Known for his attention to detail and accuracy, Badal’s work depends on timely access to banking services for managing personal finances. His father’s joint account freeze with IndusInd Bank has caused severe financial stress, especially as pending loan payments remain unaddressed. His public post reflects frustration with IndusInd Bank’s prolonged inaction and poor customer handling.
Step-by-Step Guide to File a Complaint Against IndusInd Bank
1. Contact Customer Care
- Email: reachus@indusind.com
- Subject: Urgent – Account Frozen for 3 Months
Email Template:
Dear IndusInd Bank Team,
My savings account (No. 158409080920) has been frozen for over three months without resolution despite repeated visits. Please unfreeze or close my account and release funds immediately.
Regards,
Badal Kumar
2. Escalate to Nodal Officer
3. File with RBI Ombudsman
- Website: https://cms.rbi.org.in
4. Register Complaint on PG Portal
- Visit: https://pgportal.gov.in
- Department: Department of Financial Services (Banking Division)
5. File in Consumer Forum
- Portal: https://edaakhil.nic.in
20 Most-Searched Q&A About IndusInd Bank Account Freeze Issues
Q1. Who filed this complaint against IndusInd Bank?
Badal Kumar, a Data Entry professional at Amazon.
Q2. Which branches are involved?
Sector 58 and Sector 63 branches in Noida (pincode 281301).
Q3. What was the issue?
Account frozen for over 3 months without refund.
Q4. Who else was affected?
His father, a joint account holder.
Q5. What reasons did the bank give for the freeze?
Missing KYC, welcome kit not received, address verification, and Aadhaar mismatch.
Q6. Has the account been closed?
Not yet, the refund is still pending.
Q7. What is the complainant’s profession?
Data Entry at Amazon.
Q8. How long has the issue persisted?
Over 3 months.
Q9. What losses did the complainant face?
Inability to pay loans and access his own money.
Q10. What kind of service failure is this legally?
Deficiency of service under the Consumer Protection Act, 2019.
Q11. Can a bank freeze an account without notice?
Only under KYC or compliance issues — but must notify the customer in writing.
Q12. Can customers get compensation for such delays?
Yes, via Consumer Court or RBI Ombudsman.
Q13. How can Choice4Voice.com help in such cases?
By drafting legal complaints, exposing issues publicly, and guiding escalation to RBI.
Q14. What legal cases can be filed?
Consumer Protection Act, RBI Ombudsman, and Fair Practices Code violations.
Q15. What proof is required for filing a complaint?
Account details, branch visit logs, and communication records.
Q16. Can RBI force IndusInd Bank to unfreeze the account?
Yes, if found to be violating customer rights.
Q17. How long does the Ombudsman process take?
Usually 30 to 60 days.
Q18. Can Choice4Voice.com help file the complaint?
Yes, it provides draft formats and end-to-end guidance.
Q19. Where can customers track complaint status?
At https://cms.rbi.org.in.
Q20. What’s the main learning from this case?
Always demand written confirmation from banks and escalate delays to RBI through Choice4Voice.com.
Conclusion
Badal Kumar’s case against IndusInd Bank shows how poor internal coordination and unclear KYC handling can severely impact customers.
After three months of delays, multiple excuses, and no refund, the bank’s negligence reflects systemic issues.
At Choice4Voice.com, we stand with consumers like Badal helping them publicly voice complaints, escalate legally, and seek justice against powerful corporations that ignore customer rights.
