My account has been blocked

Dear client,

Your account has been blocked due to a cyber crime complaint, which means the bank has acted on instructions from the Mumbai Police Cyber Cell. In such cases, the bank (here Jio Payments Bank) is legally bound to freeze or block the account or specific amount and cannot unblock it on its own without police clearance.

This usually happens when a transaction (even a small one like ₹337.48 in your case) is linked—rightly or wrongly—to a suspected fraud chain. It does not automatically mean you are guilty, but your account has been flagged as part of the transaction trail.

To resolve this, you need to act quickly and follow the correct process. First, contact your bank and obtain full details of the freeze, including whether it is a full account freeze or only lien on amount, and get the exact reference of the complaint (you already have acknowledgement no. 31903260067024). Then, approach the concerned cyber police station (East Region, Mumbai) or raise a complaint on the National Cyber Crime Reporting Portal using the same acknowledgement number. Explain clearly that you received/processed the transaction unknowingly and provide your bank statement, ID proof, and any supporting explanation.

You should submit a written representation stating:

You are not involved in any fraud
The transaction was unknown/unintentional
You are willing to cooperate in investigation

Only after verification, the cyber police can issue a No Objection / release instruction to the bank, upon which your account will be unblocked. There is no fixed timeline, but regular follow-up helps.

An advocate can help you in taking the correct measures timely.

Dear Client,

Your account has been blocked based on instructions from cyber police, usually due to a suspicious or disputed transaction. The bank is bound to act on such directions and cannot unblock the account on its own without clearance from the police authority.

You should immediately contact the concerned cyber police station mentioned in the complaint and submit a written representation explaining the transaction along with your KYC details, bank statement, and any proof showing that you are not involved in any wrongdoing. You should also submit a request to the bank asking for details of the complaint and status of the block.

An advocate can assist you in communicating with the police and ensuring early resolution and unblocking of your account. Please consult a local advocate for proper assistance.

Dear Client,

Your account has been blocked due to a request from Brihan Mumbai City Cyber Police Station East Region in connection with a suspicious transaction, which usually means your account or transaction has been flagged in a cyber fraud investigation sometimes even as a “beneficiary” account without your knowledge, so you should immediately contact your bank and request the reason for freezing and the officer’s contact details, then reach out to the concerned cyber police station with your KYC documents, bank statement, and explanation of the transaction, and if you are not involved in any wrongdoing, submit a written representation requesting defreezing.

You may also file a complaint or track the matter on the National Cyber Crime Reporting Portal, and if there is no response, you can approach the jurisdictional Magistrate or High Court for relief.