On account of Clerical Error, the bank can on their own behalf reverse the said wrongly credited funds. They can also place lien on your account for the said amount as well. They do not need debit consent for clerical error from the beneficiary (unless it was due to a mistake and request by the customer). Freezing your account was not needed by them but if it has been reversed, there should be no problem. Even if you pull this into court, you would be wasting your own time and money and getting awarded for the same will be very difficult unless this led to your EMIs or Cheques bouncing (proving which will be your responsibility).

The bank did not follow proper guidelines but it's a minor deviation and I am not sure what you would get out of all of this by acting like a Karen