Subhash Kumar shares his brother Himanshu Kumar’s ordeal with HDFC Bank, where a frozen account has left ₹1,65,143 inaccessible since April 2023 due to a cybercrime notice. Full complaint details on Choice4Voice.com
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Complaint Summary : HDFC Bank Account Freeze Complaint – Subhash Kumar Raises Alarm Over Brother’s Inaccessible Funds
| Complainant | Subhash Kumar (on behalf of Himanshu Kumar) |
|---|---|
| Customer Affected | Himanshu Kumar |
| Complaint Type | Frozen Savings Account |
| Company/Bank | HDFC Bank |
| Branch/Location | Malappuram, Kerala (Cybercrime Police directive) |
| Customer ID | 226277745 |
| Account Number | 50100597710780 |
| Account Open Date | 24/01/2023 |
| Account Status | ACCOUNT OPEN – NO DEBIT |
| Frozen Amount | ₹1,65,143 |
| Relief Sought | Immediate unfreezing of funds, accountability, transparent communication |
Full Complaint Details
Subhash Kumar, an MBA Finance professional and banking specialist, has highlighted a serious grievance against HDFC Bank regarding his younger brother Himanshu Kumar’s frozen Savings Max account.
The account was opened on 24th January 2023 and functioned smoothly until April 2023, when it was suddenly marked NO DEBIT following a cybercrime police directive from Malappuram, Kerala.
Despite repeated emails to the official cybercrime email ID (ncrpkerala.pol@kerala.gov.in) and several follow-ups with the bank, no response has been received for more than two years.
Key Issues Reported:
- Account frozen without timely or clear explanation.
- ₹1,65,143 locked, leaving the customer unable to access his own funds.
- No assistance from HDFC Bank despite repeated escalations.
- Lack of response from cybercrime authorities, prolonging financial distress.
- Severe emotional stress, with the complainant citing risk of suicidal thoughts due to the financial burden.
Customer Impact
The frozen account has caused:
- Financial hardship during medical emergencies and basic expenses.
- Mental health strain on Himanshu Kumar and his family.
- Loss of trust in HDFC Bank’s customer service and escalation mechanism.
This is no longer just a financial issue but a matter of dignity, livelihood, and human rights.
Original LinkedIn Post
View Subhash Kumar’s LinkedIn post here
Legal & Regulatory Concerns
This case raises concerns about:
- Banking accountability – Banks must ensure communication and timely resolution of account freezes.
- Cybercrime directives – Law enforcement holds authority, but delays without updates violate the principle of natural justice.
- Consumer Protection Act – Prolonged inaccessibility to funds can be challenged as a deficiency of service.
- Human rights and mental health – Extended financial lockouts risk pushing families into extreme despair.
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Frequently Asked Questions (FAQs)
Q1. Who filed the complaint against HDFC Bank?
Subhash Kumar, on behalf of his younger brother Himanshu Kumar.
Q2. Why was the HDFC account frozen?
It was frozen under a NO DEBIT directive from Cybercrime Police, Malappuram, Kerala.
Q3. Since when has the account been frozen?
Since April 2023.
Q4. How much money is stuck in the account?
₹1,65,143 is currently inaccessible.
Q5. What steps were taken to resolve the issue?
Emails were sent to the official cybercrime email (ncrpkerala.pol@kerala.gov.in) and follow-ups made with HDFC Bank, but no response was received.
Q6. Has the bank provided any written explanation?
No, the family claims there has been silence for over two years.
Q7. Can cybercrime freeze accounts without notice?
Yes, under suspicion of illegal activity, but affected customers must be informed and provided resolution timelines.
Q8. What are the emotional consequences of this freeze?
The family reports extreme distress and suicidal thoughts due to financial inaccessibility.
Q9. Which law protects customers in such cases?
The Consumer Protection Act, 2019 and RBI guidelines mandate fair treatment and communication.
Q10. What regulatory bodies can be approached?
- RBI Banking Ombudsman
- Cyber Appellate Tribunal
- Consumer Court
Q11. What does “NO DEBIT” status mean?
It means the account is open, but no transactions (withdrawals/transfers) are permitted.
Q12. How long can an account remain frozen?
Legally, until the investigation concludes, but excessive delays without updates are questionable.
Q13. Can medical emergencies justify unfreezing?
Yes, courts may grant relief in genuine humanitarian cases.
Q14. How can customers track the status of frozen accounts?
By requesting updates from the police authority that issued the directive and escalating to RBI.
Q15. Is HDFC Bank responsible for delays?
While the freeze originates from law enforcement, the bank is responsible for communication and customer support.
Q16. Can legal action be taken against the bank?
Yes, for deficiency of service and failure to assist the customer.
Q17. What role does RBI play?
RBI regulates banking practices and ensures fair treatment of customers.
Q18. What alternatives does the customer have now?
Approach Banking Ombudsman, Consumer Court, or file a writ petition for relief.
Q19. Has HDFC faced similar complaints before?
Yes, multiple cases of prolonged account freezes and poor response times have been raised by customers.
Q20. How can Choice4Voice.com help?
By publishing and amplifying the complaint to pressure institutions into action.
Final Note
This case demonstrates the serious consequences of prolonged account freezes without proper communication. Families cannot be left helpless when their hard-earned money is locked away for years.
Choice4Voice.com stands with Subhash Kumar and Himanshu Kumar in their fight for justice and accountability from HDFC Bank and the concerned authorities.
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