To be checked first
- Account, card, transfer or debit?
- Compliance/fraud/referral message?
- Urgent operation?
- Really banking channel?
High risk · Verified: 2026-07-26
Bank: account or transaction blocked
Request the precise reason, transmit the minimum of coins and follow up complaint/mediator.
Evidence to be kept
- Bank Messages
- Reference operation
- Identity/source of funds only if requested
- Chronology
Action scale
Do not start with the toughest level: choose according to facts, document and delay.
1
Immediately.
Security and motive
- Contact via official number/app
- In case of fraud, block the means of payment
- Ask for motif and coins
2
If agency/support does not resolve.
Claim service
- Send a complaint
- Indicate consequences and urgency
- No complete surveys without need
Sources of this step
Mail for this step
CloseMail draft
Request for explanation and release of the account
When to use: In case of blocking of transactions or account: first ask for the precise reason and list of coins.
Consignee: Bank Claim Service
Text in French
Subject matter: Subject: Claim concerning the blocking of my account
Ma'am, sir, Since [date], my account [partial reference] has been blocked as follows: [relevant transaction or access]. I ask you to indicate the precise reason, the contractual or regulatory basis that can be communicated, the documents expected and the period for review. I have already transmitted [Exhibits] on [date]. Please confirm receipt and follow-up. Regrettably, [First Name]
Before sending, replace all fields in square brackets and remove unnecessary personal data.
Official sources
In case of deviation, use the source and document specific to your procedure.
3
After written complaint and under the conditions of the mediator.
Banking Ombudsman
- Enter the mediator
- Attach response/absence of response
- For legal entry/freeze, get appropriate advice
Time and urgency
Time limits depend on the operation. For a levy, Public Service distinguishes authorized and unauthorized.
Avoid
- Don't call a suspicious SMS number
- Don't give any code
- Do not bypass the blockage by a string of transfers
Signs of result
- Written reason
- Exhibits confirmed
- Reinstated access or decision received
- Referenced claim/mediation
Official sources
In case of deviation, use the source and document specific to your procedure.
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