To,
The Branch Manager & Principal Nodal Grievance Officer,
HDFC Bank,

Date: 15 September 2026

Subject: URGENT: Representation against unlawful total account freeze and request for restriction of lien strictly to disputed amount of ₹15,000 (Ref: NCRP / Cyber Cell Complaint No: 31509260012345)

Dear Sir / Madam,

1. I am a bona fide KYC-compliant account holder holding Savings/Current Account No: [Insert Your Account Number] with HDFC Bank.

2. I was shocked to discover that my entire bank account has been placed under a complete total freeze following a communication from the Gujarat Cyber Crime Police in connection with NCRP Acknowledgement/Complaint No. 31509260012345.

3. While the alleged disputed/fraudulent amount under inquiry is ₹15,000, the total balance in my account is ₹2,50,000. By freezing my entire balance, the Bank has unlawfully withheld my unencumbered funds of ₹2,35,000, depriving me of my fundamental right to livelihood and operational banking.

4. Your attention is drawn to the binding directives issued by the Reserve Bank of India (RBI) under the Master Direction on Customer Service and Cyber Fraud Framework (2026), alongside landmark rulings of the Hon'ble High Courts (including the Telangana High Court in WP No. 32454 of 2023 and Madras High Court in WP No. 14522 of 2023). The judiciary has repeatedly held that Section 102 of the CrPC (now Section 106 of Bharatiya Nagarik Suraksha Sanhita - BNSS) does NOT empower banks to freeze an entire account when only a specific disputed transaction is under investigation. The Bank is legally mandated to only mark a lien on the specific disputed sum.

5. I am a bona fide innocent third-party recipient (secondary/downstream layer) who received the payment in exchange for legitimate commercial consideration (freelance invoice). I have preserved all invoices, tax credits (Form 26AS), and communication records to substantiate the legitimacy of this remittance before the Investigating Officer.

6. IN VIEW OF THE ABOVE, I hereby formally demand:
   a) That the total freeze on my account be lifted immediately;
   b) That the lien, if any, be strictly restricted to the disputed amount of ₹15,000;
   c) That I be permitted to freely operate and withdraw the unencumbered balance of ₹2,35,000;
   d) That you furnish me with a certified copy of the Police Freezing Notice under Section 102 CrPC / 106 BNSS along with the email address and contact details of the Investigating Officer (IO).

7. Please note that if my unencumbered funds are not released within 48 hours, I shall be constrained to escalate this matter to the RBI Banking Ombudsman (RB-IOS Portal) and approach the jurisdictional High Court under Article 226 for appropriate writ remedies and damages for wrongful dishonor of payments.

Yours sincerely,

[Your Name]
[Registered Mobile Number]
[Registered Email Address]
[PAN Number]