crufty42

This happened to me with Citi when I added a signatory to my account - it triggered some fraud algorithm. Apparently there are legal reasons they cannot explain the details which is super frustrating for the customer and the staff as nobody can say what is happening. They froze and closed my account and it took 90 days for the balance check to arrive. Someone with legal expertise may be able to explain the details but it’s a real thing that happens and not anything sinister, just a crappy algo.