Freezing of Victim’s Bank Account: How State Machinery Punishes the Complainant and Shields the Perpetrators

The Indian banking sector often highlights its quick digital growth. Furthermore, it emphasizes automated risk tools and strong cyber-crime safety measures. However, behind these digital tools lies a weak setup where the unfair freezing of victim’s bank account routines ignores the basic rights of honest citizens.

On 29 September 2026, an unexpected automated action hit the main savings bank account of an older social worker in Mirzapur, Uttar Pradesh. Without any warning, question, or official notice, the State Bank of India placed a debit hold of ₹1,16,28,163.00 using reference caseid683526. As a result, this sudden action instantly dropped an active balance of ₹3,891.97 down to exactly ₹0.00.

The person facing this money block is not an escaped suspect or a cyber criminal. On the contrary, this targeted citizen is the original victim. Furthermore, they have tracked criminal scammers across many states for three years. Consequently, this unfair freezing of victim’s bank account shows a major system failure. In particular, slow police work and automated bank rules come together to punish the victim while white-collar scammers go free.

The Reality Behind the Freezing of Victim’s Bank Account

A bank account is essential for any regular citizen. Furthermore, taking away a family’s access to its only spending money directly breaks personal liberty protections under Article 21 of the Indian Constitution. Therefore, the automatic freezing of victim’s bank account shows a complete lack of fairness.

• The Extreme Financial Disparity:
  The savings account (SBI Account No. 34645721675, City Branch, Mirzapur) handles only small daily costs. In addition, its total yearly money flow stays below ₹1,00,000. Furthermore, the account records show only small home expenses, like grocery payments of ₹10, medical bills of ₹500, and regular home costs.
• The Phantom Liability:
  State Bank of India placed a hold of over ₹1.16 Crore on an account that never got, held, or sent any amount like that. Moreover, no payment records connect this huge amount to the account.
• Mechanical Execution by the Bank:
  Banking systems calculate usable money by subtracting total holds from the total balance. By automatically putting a huge crore-level hold on a small four-figure balance, the bank carried out a harsh freezing of victim’s bank account. Consequently, key family funds were completely blocked.

Roots of Identity Theft and Systemic Failure

This unfair action did not happen randomly. Instead, it comes from a large identity-theft group that police failed to stop.

• Registration of the Criminal Case:
  The account owner is the main complainant in Case Crime No. 291/2023, filed at Police Station Kotwali Katra, Mirzapur. This case was filed under Section 420 of the IPC and Sections 66C and 66D of the IT Act. Furthermore, this criminal case listed the widespread misuse of Permanent Account Number GSWPS0850Q across many entities in India.
• The Syndicate of 70 Tax Evaders:
  In Case Diary Entry No. 60 (dated 22 August 2026), the Cyber Crime Police Station, Mirzapur, noted confirmation from tax officials. Specifically, the Directorate of Income Tax confirmed that 70 individuals dishonestly used this same PAN to claim fake House Rent Allowance (HRA) tax deductions.
• Fabricated Rent Declarations:
  As early as 28 March 2022, the Income Tax Department sent an e-Campaign notice (DIN: INSIGHT/CMP/02/2021-22/11210066119870001). This notice marked ₹1,19,34,974.00 in fake rent slips for Financial Year 2020-21. Furthermore, dishonest company workers claimed fake rent using the stolen PAN to skip paying taxes. Thus, they built a multi-crore digital paper trail on tax databases without the citizen knowing.

The Haryana Episode: Internal Negligence and Institutional Errors

The unfairness of this harsh freezing of victim’s bank account becomes clearer when looking at State Bank of India’s past errors.

• Fraudulent Accounts in Jind, Haryana:
  Scammers in Haryana opened a fake SBI Savings Account 40191917870 and a farm loan account 40191978538. These were set up at the SBI Gangoli Branch (District Jind, Haryana) using the victim’s stolen PAN. Furthermore, the culprits changed the name to “Pratap Singh Mahesh” and created a fake address in Safidon, Jind, to steal farm loan funds.
• Official Admission and Disciplinary Penalties:
  In response to CPGRAMS Complaint No. GOVHY/E/2023/0008452, the Branch Manager of SBI Gangoli sent an official letter dated 03.11.2024. In that letter, the bank apologized and removed the PAN from both accounts. Moreover, they officially noted:
  “Moreover as per enquiry already concluded, appropriate action was initiated against the erring officials as per bank’s instruction and procedures.”
• Institutional Contradiction:
  The bank’s Haryana branch formally admitted the mistake, removed the PAN, and punished staff for bad practices. However, main offices of the same bank still approved the freezing of victim’s bank account in Mirzapur.

Special Police Inaction and Delays in Investigation

The wrongful freezing of victim’s bank account clearly shows long police delays in catching the real scammers.

• The Inactive Special Team:
  Following clear notes by the Uttar Pradesh State Information Commission, the Superintendent of Police in Mirzapur created a six-person investigation team. This team was set up under order Reader/SP-35/2026 on 06 July 2026. Led by the Circle Officer (Cyber), this team had orders to track down the identity-theft group.
• Absence of Field Operations:
  However, Case Diary records (Parcha Nos. 58 to 62, up to 22 September 2026) show no shared raids, no active tracking, and no ground checks. Instead, the Case Diary only shows basic office letters written by the investigating officer.
• Selective Enforcement:
  Tax authorities gave names for all 70 scammers. However, the officer sent notices under Section 35(3) of the BNSS to only 20 people on 03 September 2026, and only 3 people on 22 September 2026. Consequently, 47 identified scammers remain untouched, while automated computer systems target the victim.

Double Standards: Privacy Protections vs Customer Due Process

This administrative problem shows a double standard in handling cybercrime and bank records:

• Shielding Fraudsters with Confidentiality:
  An identity-theft victim may ask for KYC files, account history, and bank details of fake third-party accounts. However, offices regularly use Section 8(1)(j) of the RTI Act to claim privacy rules. In short, public offices actively protect third-party scammers behind customer privacy rules.
• Ignoring Due Process for the Customer:
  On the other hand, when an automated cyber ticket (caseid683526) enters the bank network, the bank skips fair procedures. Furthermore, the bank gives no notice and does no account checks before doing the freezing of victim’s bank account. Instead, it suddenly locks the funds, putting family medical needs and daily living at risk.

Legal Actions to Challenge Unfair Freezing of Victim’s Bank Account

To challenge the illegal freezing of victim’s bank account, the victim has started formal legal actions in three main places:

• State Information Commission, Uttar Pradesh:
  Emergency filings were submitted under Diary Number D-290920260140 on 29 September 2026. This was done in Appeal No. S-01/A/0061/2024 (Court S-1, led by the State Chief Information Commissioner). Furthermore, the Commission was asked to reject weak police reports. In addition, they were asked to demand signed statements from the inactive Special Team and direct the police to unfreeze the account.
• Department of Financial Services (Banking Division):
  Additionally, a formal complaint filed on CPGRAMS under DEABD/E/2026/0169634 is now before the Director of Banking Division, Ministry of Finance. This filing challenges the sudden debit hold applied without checking account records.
• RTI Application under the Life and Liberty Proviso:
  Meanwhile, an online RTI request was filed under SBILW/R/E/26/01130 with SBI Lucknow Circle. This request asks for the original hold order, internal notes, and reason for ignoring basic fairness rules. By using the 48-hour emergency rule of Section 7(1) of the RTI Act, this request places the bank’s actions under immediate legal review.

Enforcing Accountability and Resolving Freezing of Victim’s Bank Account

The automated freezing of victim’s bank account under Account No. 34645721675 shows how automated computer rules and unchecked police requests harm citizen rights. When state systems punish an older person for fraud done by 70 outside people, the legal system completely fails.

Automated official actions should not happen without clear human review. Therefore, State Bank of India and police authorities should immediately remove the unlawful hold under caseid683526. Furthermore, they should hold responsible staff accountable and focus police work on catching the actual scammers.

The application IDs, official email addresses, contact telephone numbers, and relevant portal links

1. State Information Commission, Uttar Pradesh (Court S-1) – Unfreezing Appeals

• Application / File Numbers:
  • Appeal Number: S-01/A/0061/2024
    
  • Registration Number: A-20240100130
    
  • Diary Number: D-290920260140 (and D-290920260003)
  • User/Welcome ID: UPICR20240000149
• Email Addresses:
  • Court S-1 Hearing Desk: hearingcourts1.upic@up.gov.in
    
  • Public Information Cell Mirzapur (Respondent): jansuchanacellmzr@gmail.com
    
  • Superintendent of Police, Mirzapur: spmzr-up@nic.in
    
  • Cyber Crime Police Station, Mirzapur: ps-cybercrime.mi@up.gov.in
    
  • Additional SP (Operations), Mirzapur: asp-op.mi@up.gov.in
    
• Web Portal Links:
  • Official Commission Portal: upsic.up.gov.in
  • UPIC Online Appeal / Case Status Tracking: upic.gov.in

2. Department of Financial Services – Banking Grievances

• Application / Registration Number:
  • Central CPGRAMS Registration Number: DEABD/E/2026/0169634
    
  • Previous Haryana Linked Grievance: GOVHY/E/2023/0008452[cite: 1, 2, 3]
• Officer & Contact Details:
  • Concerned Officer: Shri Swapnil Agrawal, Director
  • Email Address: dir.sa-dfs@gov.in
    
  • Contact Telephone Number: 011-23346785
    
  • Office Address: 3rd Floor, Jeevan Deep Building, Sansad Marg, New Delhi – 110001
• Web Portal Links:
  • CPGRAMS Central Grievance Tracking: pgportal.gov.in[cite: 3]
  • Grievance Status Print / View URL: pgportal.gov.in/Status/PrintDetail/6ADBAC66EB0317628418C2D8522ADD4F3EF8974A54E07FD4F969BB1CF7D0154D[cite: 3]

3. State Bank of India – Formal Requests and Representation

• Application / Reference Numbers:
  • Online RTI Registration Number: SBILW/R/E/26/01130
  • Account Hold Reference ID: caseid683526
    
• Nodal & Branch Contact Details:
  • SBI Lucknow Circle Nodal Officer: AGM (P&E), Local Head Office, Lucknow
  • Nodal Email Address: agmpne.lholuc@sbi.co.in
  • Nodal Telephone Number: 0522-2295363
  • SBI Gangoli Branch (Dist. Jind, Haryana) Email: sbi.50534@sbi.co.in[cite: 1, 2, 3]
  • SBI Gangoli Branch Telephone: 01686-246114[cite: 1, 2, 3]
• Web Portal Links:
  • Central RTI Online Portal: rtionline.gov.in
  • SBI Official Customer Care / CMS Portal: bank.sbi

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