Consumer Mohd Ashab files a fraud complaint against IndusInd Bank after his account was frozen for a ₹4000 flagged transaction. Bank demanded an Assam Police NOC, causing harassment, delays, and poor customer support experience.
Complaint Summary : IndusInd Bank Fraud Complaint – Mohd Ashab’s Account Frozen Over ₹4000 Transaction
| Field | Details |
|---|---|
| Complainant Name | Mohd Ashab |
| Profession | Insurance Aggregator Broker |
| Bank Name | IndusInd Bank |
| Issue Reported | Account frozen due to ₹4000 transaction flagged from Assam |
| Branch Response | Customer asked to obtain NOC from Assam Police |
| Challenges Faced | No police response, repeated branch visits, 25–30 mins wait on calls |
| Complaint Source | LinkedIn Post URL |
| Date Reported | 1 week ago |
| Location | India |
Full Complaint Write-Up
Mohd Ashab, an insurance aggregator broker, raised a serious consumer complaint against IndusInd Bank after his account was abruptly frozen due to a ₹4000 transaction flagged from Assam.
Despite his cooperation, the bank shockingly demanded that he obtain an NOC (No Objection Certificate) from Assam Police. However, repeated calls to the police officer went unanswered, leaving him with no resolution.
Instead of assisting the customer, the branch allegedly advised him to personally travel to Assam to collect the NOC a demand that is not only impractical but also highly unreasonable.
The ordeal did not end there. Every call to IndusInd Bank’s customer care reportedly took 25–30 minutes before being answered, and multiple visits to the branch drained him emotionally and mentally.
This case highlights how IndusInd Bank’s fraud handling system puts unnecessary burden on customers, instead of offering them genuine support and quick solutions.
About IndusInd Bank
IndusInd Bank Limited, established in 1994 and headquartered in Mumbai, is a leading private sector bank in India. The bank provides a wide range of financial services including:
- Personal and corporate banking
- Wealth management solutions
- NRI banking
- Digital financial services
While the bank claims to follow a customer-first approach, increasing numbers of consumer complaints paint a different picture.
Common concerns raised by customers include:
- Account freezing without timely notice
- Excessive delays in fraud resolution
- Unfair demands like police NOCs
- Extremely slow customer service responses
Incidents like that of Mohd Ashab raise serious concerns about IndusInd Bank’s customer care and fraud-handling practices.
Questions and Answers on IndusInd Bank Complaints
1. Why does IndusInd Bank freeze accounts suddenly?
Accounts may be frozen if transactions are flagged as suspicious or due to regulatory alerts.
2. Is it legal for IndusInd Bank to demand a police NOC?
No. RBI does not direct customers to personally obtain NOCs. The bank must coordinate with police itself.
3. How can I unfreeze my IndusInd Bank account?
Provide ID proof, explain the transaction, and escalate the issue if branch delays continue.
4. How long does IndusInd Bank take to resolve fraud complaints?
Ideally 7–15 working days, but many consumers report delays far beyond this.
5. Can a bank force me to travel to another state for fraud verification?
No. Such demands are unreasonable. Banks must handle this internally.
6. What are my rights if IndusInd Bank delays resolution?
You can escalate to the RBI Ombudsman or file a consumer court case.
7. How do I escalate complaints in IndusInd Bank?
- Contact Branch Manager
- Email head.customerservice@indusind.com
- Write to Principal Nodal Officer
- Approach RBI Ombudsman
8. Are fraud complaints common with IndusInd Bank?
Yes. Many consumers report frozen accounts, hidden charges, and fraud dispute issues.
9. What happens if my funds remain blocked too long?
You risk financial loss. Immediate escalation is necessary.
10. Can I demand compensation for harassment?
Yes. Consumer protection laws allow you to claim damages for negligence.
11. How do I complain to RBI about IndusInd Bank?
Through the RBI CMS portal under the Integrated Ombudsman Scheme.
12. Is IndusInd Bank customer care efficient?
Most consumers report 25–30 minute waiting times, showing inefficiency.
13. Can IndusInd Bank freeze accounts over small amounts like ₹4000?
Yes, but resolution should be quick. The bank must not harass the customer.
14. What are the top complaints against IndusInd Bank?
- Frozen accounts
- Poor fraud handling
- Long helpline wait times
- Excess charges
15. How do I protect myself from banking harassment?
Keep detailed written records, emails, and escalate complaints formally.
16. Does IndusInd Bank have a poor record in fraud cases?
Consumer complaints suggest that fraud resolution is a weak area.
17. Can I take legal action against IndusInd Bank?
Yes, in consumer court for negligence and mental harassment.
18. How do I know if my account is flagged?
Blocked transactions, restricted services, or SMS/email alerts will indicate it.
19. How do I share my IndusInd complaint publicly?
You can raise it on LinkedIn or submit directly at Choice4Voice.com.
20. Is IndusInd Bank trustworthy for customers?
While it is a major bank, rising complaints highlight serious gaps in customer service and fraud handling.
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