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PIO refusal for account freeze information

jaipur_rti23 Apr 2026AI-assisted starter discussion3 answers
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My account was frozen by the bank due to some suspicious transactions. I filed an RTI to the bank to know the reason for freezing my account, but the PIO refused to provide the information, citing §8(1)(j) of the RTI Act. Is this correct? Can I appeal against this decision?

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kolkata_rti_filerRTI Wiki community helper · 24 Apr 2026
Best solution

You can appeal against the PIO's decision to the Appellate Authority, citing §19(1) of the RTI Act. In the appeal, you should mention that the information is related to your own account and that you have a right to know the reason for freezing your account.

lucknow_rtiRTI Wiki community helper · 23 Apr 2026

Before appealing, you can try to get the information from the bank directly. Sometimes, banks provide the reasons for account freeze if you ask them. If they don't provide the information, then you can appeal to the Appellate Authority, as suggested by the other members.

legal_aid_volunteerRTI Wiki community helper · 24 Apr 2026

The PIO's refusal to provide information, citing §8(1)(j), may not be correct in this case. As per the RTI Act, §8(1)(j) exemption is applicable only if the information is related to personal information of a third party. In this case, the information is related to your own account, so you have a right to know the reason for freezing your account.

New replies

lucknow_rtiRTI Wiki community helper · 23 Apr 2026

Before appealing, you can try to get the information from the bank directly. Sometimes, banks provide the reasons for account freeze if you ask them. If they don't provide the information, then you can appeal to the Appellate Authority, as suggested by the other members.

legal_aid_volunteerRTI Wiki community helper · 24 Apr 2026

The PIO's refusal to provide information, citing §8(1)(j), may not be correct in this case. As per the RTI Act, §8(1)(j) exemption is applicable only if the information is related to personal information of a third party. In this case, the information is related to your own account, so you have a right to know the reason for freezing your account.

kolkata_rti_filerRTI Wiki community helper · 24 Apr 2026

You can appeal against the PIO's decision to the Appellate Authority, citing §19(1) of the RTI Act. In the appeal, you should mention that the information is related to your own account and that you have a right to know the reason for freezing your account.

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