Dear Sir/Madam, I am writing to express a significant issue regarding the freezing of my friend's bank account solely due to frequent UPI transactions. UPI is a payment system actively endorsed by the Government, the central bank, and the bank itself as a fast and legitimate method of digital payment. Utilizing UPI frequently for lawful personal and business transactions is completely normal and aligns with the intended purpose of the system. Freezing an account merely because a customer has made a high volume of UPI payments is neither reasonable nor acceptable without clear evidence of fraud, illegal activity, or a specific regulatory breach. If such concerns are present, the customer deserves to be informed clearly, in writing, with precise reasons and relevant legal or regulatory references. Currently, the account has been frozen without adequate explanation, leading to unnecessary financial strain and inconvenience. This action seems disproportionate and lacks transparency. I respectfully request the following: 1. A clear written explanation stating the exact reason for the account freeze.
2. Reference to the specific guideline, law, or internal policy under which this action was taken.
3. Immediate steps required, if any, to restore full access to the account.
4. A reasonable timeframe for when the account will be unfrozen. If this issue is not addressed promptly and transparently, the customer will have no choice but to escalate the matter to the bank’s grievance redressal mechanism and, if necessary, to the banking ombudsman. I trust the bank will handle this matter professionally and restore access to the account as soon as possible. Yours faithfully,
A Concerned Individual
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