Answer
Answers below, hope this is helpful:
1. Whether a bank has to show the official document to customer if the bank wants to close or freeze a customer's savings bank account?
It depends on what you mean by official document. The bank can close your account simply by producing an official letter on the letterhead of the bank. A court order is not required.
2. On the premise of no official written documents from police or relevant law enforcement departments, whether a bank has the right to close a customer's bank account?
Yes, the bank has broad powers to close an account in their discretion, if such use is in breach with their compliance policies.
3. Do the police have the right to ask me to return money back to an unknown person without any court order or official document?
No. The police cannot compel you to do so without a court order.
However do note that if you have committed a crime and this can be established, it may not be hard to obtain such a court order.
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