The Bank and Fintech Dispute Service That Gets Frozen Accounts and Withheld Funds Released.
If your bank, fintech or exchange froze your account, payroll, vendors and cards stop the same day. The notice names a policy. It almost never names the cause. We find what actually moved your account, build the file that compliance team can clear and work your withheld funds on their own track from day one. Start with a free assessment and know where you stand before you pay.
Pick what happened. The board shows which account it hits, how much cash it locks, and which team we would answer first.
The Banks, Fintechs and Exchanges We Handle
Twenty two institutions, each with its own compliance team, terms and complaint route. Find yours to see how a case works there.
Not listed. Submit the case and we will tell you if we take it.
Get Your Account Back and Your Funds Released
A freeze stops payroll, vendors and cards on the same day, and a closure can follow you to the next bank. We work all of it at once.
What changesThe review answered in full, the profile brought current, and the account back to normal use with a documented decision on file.
What changesPayroll funds asked for first, then the full balance or assets pressed for return by a stated method and date.
What changesScreening records checked and disputed where wrong, card limits rebuilt on current data, and a file the next institution can approve.
Who at Your Bank or Fintech Reviews Your Account
Stripe calls it risk review. Revolut calls it financial crime review. At Mercury, Brex and Chime the last word belongs to a partner bank. Our people have sat on the other side of these reviews. Tap a feature to see what each team checks.
Transaction monitoring and fraud models
Every feature on the note stands for a team that inspects your account. Tap one, or switch on the UV light to see what each team notices.
What Your Account Freeze Notice Means
Every institution words its notices its own way. The notice tells you what was flagged. It rarely tells you why. Pick the notice that matches yours and see what sets it off, what the institution can prove and what it’s only assuming.
Freeze
Reviewed by Financial crime and AML review
Typical grade: DifficultWhat sets it off
- Monitoring alert on money in and straight out
- Volume far above the declared profile
- New high value counterparty
What they can prove
- Timing and size of each payment
- Counterparties and corridors
What they infer
- That the account is a pass-through for someone else
Our pathway
- 1Map every flagged payment
- 2Attach contract and invoice per payment
- 3Update the declared profile
- 4Ask for payroll funds first
A freeze is an unfinished question. Answer it completely, once.
Closure
Reviewed by Partner bank compliance
Typical grade: Hell 1 to 2What sets it off
- Exit decision after review
- De-risking of a category or region
- Partner bank refusal to concur
What they can prove
- Its own right to end the relationship
- The balance on the account
What they infer
- That the business carries risk it will not hold
Our pathway
- 1Confirm balance and return method
- 2Document deposits still in question
- 3Escalate to the partner bank
- 4File with the regulator if it stalls
They can end the relationship. They cannot keep the money without a reason.
Source of funds
Reviewed by Financial crime and AML review
Typical grade: ModerateWhat sets it off
- Large or unusual deposit
- Funds from a new sender or platform
- Investment round or asset sale
What they can prove
- Amount, sender, and date
What they infer
- That the origin of the money is unclear
Our pathway
- 1Trace each deposit to its source document
- 2Check answers against prior statements
- 3Write one consistent narrative
- 4Upload as one numbered set
Source of funds is a documents question. Consistency wins it.
KYC or KYB
Reviewed by KYC, KYB, and due diligence
Typical grade: ModerateWhat sets it off
- Periodic review
- Ownership change
- Mismatch between documents
What they can prove
- What documents are on file
What they infer
- That the entity or owners are not who the file says
Our pathway
- 1Audit names, numbers, and addresses
- 2Map owners and control persons
- 3Fix the mismatch at the source
- 4One clean upload
One mismatched address can hold a seven-figure account. We find it first.
Crypto lock
Reviewed by Sanctions and screening
Typical grade: DifficultWhat sets it off
- Deposit with flagged on-chain exposure
- Bridge or mixer in the path
- Large deposit from an unknown wallet
What they can prove
- The on-chain path of the coins
What they infer
- That you knew or controlled the flagged source
Our pathway
- 1Trace the deposit hop by hop
- 2Document how you acquired it
- 3Write the source of funds narrative
- 4Request withdrawal or asset return
Exchanges judge coins by where they have been. We show the whole path.
Card program
Reviewed by Credit, merchant, and program risk
Typical grade: ModerateWhat sets it off
- Linked cash moved out
- Bank connection broken
- Revenue drop
What they can prove
- Cash it can see today
What they infer
- That the business can no longer repay
Our pathway
- 1Restore bank connections
- 2Show current cash and revenue
- 3Explain the treasury move
- 4Request a limit review
Underwriting can only read the cash you show it.
Sanctions hold
Reviewed by Sanctions and screening
Typical grade: Hell 1 to 2What sets it off
- Name close to a listed party
- Payment to or from a sanctioned region
- Counterparty on a watchlist
What they can prove
- A name or corridor similarity
What they infer
- That you are the listed party or deal with one
Our pathway
- 1Collect distinguishing identifiers
- 2Document the counterparty
- 3Show the lawful purpose
- 4Ask for release of the held payment
False positives are released on identifiers, not on outrage.
Why Your Bank Froze Your Account
Every freeze starts as an alert with rules attached. We line those rules up against your transactions and separate what the bank saw from what it assumed.
R-114Volume above declared profileFiredR-207Inbound then outbound inside 24 hoursFiredR-311New high value counterpartyFiredR-402Cross-border share above peer groupFiredA seven-figure ecommerce brand has its neobank account frozen after a large marketplace payout lands and most of it leaves the same day as wires to an overseas supplier. Illustrative case pattern. Step through how we clear it.
Which Team Has Your Bank, Fintech or Exchange Case
Twenty two institutions hold your money six different ways. Tell us how yours is set up and see who decides and where the case goes if they say no.
Answer three questions. The tiles narrow to institutions that work the same way, and the panel shows the team that reviews your case and the route we would climb.
How Banks Decide Whether to Unfreeze Your Account
A bank doesn’t read your response on its own. It reads it against your whole compliance file: your risk rating, the alert that opened the review, the accounts tied to yours and every answer you’ve sent before. We write yours to answer what the bank is actually weighing.
Potentially how it looks. A fictitious reconstruction built from our research and quantified only from cases we have handled. It is not a bank or fintech screen or tool. Names, IDs, and records are invented or redacted.
Account status
Exposure signals
Two signals drive this freeze: volume against your declared profile and money leaving the same day. Both get answered with documents the analyst can check.
Entity
Declared activity
Controls
Showing 7 of 19 related records. Each shared identifier is explained before the review is answered.
The line marks where monitoring escalated this account, not a published threshold.
Every flag above is something a reviewer weighs before they read a word of your appeal. Tap one to see what it means and what we do with it.
How to Unfreeze Your Account and Get Your Funds Released
Pick an institution to see the channels and documents it uses. Below is how we work your case, start to finish.
The five steps never change. The words do. Pick an institution to see each step in the channels and documents it actually uses.
- 01Intake
We read the notice and the statements
The freeze or closure notice, every support thread, statements for the flagged period and what the app still lets you do. Nothing gets written until we see the full picture.
- Freeze or closure notice
- Support and chat history
- Statements for the flagged period
- Account features still working
- 02Trigger
We find the alert behind the notice
We line up the flagged weeks against the profile you declared and find whether monitoring, verification, screening or credit started the review, and whether a partner bank holds the deposits.
- Flow map of the flagged period
- Declared profile check
- Screening check
- Reviewing team and partner bank
- 03Grade
We grade the case before you pay
You’ll know how hard your case is, why, and how fast your withheld funds can realistically move. If we can’t help, we tell you before you pay.
- Case grade
- Funds exposure estimate
- Missing documents
- Working timeline range
- 04Write
We answer the compliance request
One exhibit per flagged payment, ownership and verification documents checked for matches and a funds release request filed beside it. A second specialist reviews it before it’s sent.
- Compliance response
- Source of funds file
- Ownership and KYB pack
- Funds release request
- 05Escalate
We keep the balance moving
Every reply tells us what’s still missing. We go from the institution to the partner bank, then the regulator or ombudsman, and an attorney demand if your funds stay withheld. We never resend the same response.
- Submission log
- Reply analysis
- Release schedule tracker
- Escalation route
If the institution says no, or goes quiet
The institution first, then the bank that holds the deposits, then the regulator or ombudsman. We only move up once the file is complete.
Compliance review response
We answer the review through the channel that raised it, in the app, the dashboard or by secure message, with every document it lists in one organized package.
This is where most freezes are decided, so it gets the most work.Formal complaint or partner bank escalation
A written complaint to the institution’s complaints team, or an escalation to the bank that actually holds the deposits.
The partner bank runs its own program and can move a case the app cannot.Balance and asset release request
A written request for your balance or assets by a stated method and date, kept separate from any reconsideration.
Your money should not wait on the account decision. We run this track from day one.Regulator or ombudsman complaint
The CFPB, OCC or a state regulator in the US, NYDFS for New York licensed exchanges, the Financial Ombudsman Service in the UK and the Banco Central do Brasil for Brazilian accounts.
We file inside each route’s window, only with a complete record behind it.Attorney demand
When funds stay withheld and the facts are on your side, an attorney-reviewed demand asks for an accounting and the return of your funds under the account agreement. We only use it when the case calls for it.
The last rung. We prepare the notice. Attorney-reviewed, and used only when the case calls for it.Struggling to get it back on your own?
Book a call and we’ll map out your next move. Or submit your case and we’ll look at it first, free.
Check Where Your Frozen Account Case Stands
Answer four quick questions and see how hard your case looks and what’s still missing. Nothing is sent until you hit submit.
- 1What did you receive
- 2Where does it stand
- 3What applies
- 4What you have
What notice did you receive
Where does the case stand today
Tick everything that applies
Which of these can you get
- Team that reviews it
- What they check
- Our route
- Still missing
A first look from four answers. The real grade comes after we read the notice and your file.
fintech case, draft
We are the ones businesses come to when every other agency and law firm has already failed.
Most businesses find us after their bank said no and another agency already tried. Every response stays in your compliance file, so the next one has to be built differently. Our team has worked inside platform compliance and knows what each review is measuring. That’s how we’ve resolved more than 10,000 cases.
Know How Hard Your Frozen Account Case Is Before You Pay
Toggle what’s true for your account and watch the grade change. The more damage on the account, the more work it takes, and your price follows. If there’s no real path, we tell you before you pay.
- What the team sees
- How we work it
Moderate
A request with a clear answer on paper. One checked upload through the channel that asked.
Difficult
Monitoring that wants every flagged payment explained. One exhibit per payment, an updated profile and a release request.
Hell 1
A decision to end the relationship with money still inside. Balance return first, reconsideration only if it’s worth asking.
Hell 2
A partner bank reviewing you without ever talking to you. A file written for both the app and the bank, plus an on-chain trace where crypto is involved.
Hell 3
A screening or exit decision that spreads. Proof of identity line by line and a funds track for each account.
Hell 4
Money and a record that both follow the business. A regulator or ombudsman complaint and a record dispute at the same time.
Hell 5
A dead relationship with money still inside it. An attorney demand for an accounting.
Hell 6
No real path to a human reviewer left. We tell you before you pay.
Hell 7
No real option left. We tell you before you pay.
What’s Included in Your Frozen Account Dispute
Everything we send the institution and its partner bank, every reply that comes back and a profile that keeps the next alert from opening.
Compliance review response
Each capsule carries one part of the file. Send it to the window to open what goes to the institution and its partner bank.
Compliance review response
The answer to the review, written to exactly what the compliance team asked and nothing more.
Source of funds file
Every flagged deposit and payment traced to a contract, invoice, payout or investment, numbered and referenced.
Ownership and KYB pack
Formation, ownership and identity documents checked so every name, number and address matches.
Funds release demand
The written request for your balance by method and date, attorney-reviewed when it goes formal.
Escalation and complaint log
What we sent, to which team or regulator, when, every reply and where your balance stands.
What Goes Into a Strong Compliance Review Response
Compliance wants to see what the money is, where it came from and the proof behind both. Tap a document to see an example.
To: Transaction monitoring and fraud models
Re: Account frozen
1. Root cause
Whether the activity that tripped monitoring has a lawful, documented purpose. Common at Mercury, Novo, Revolut, Wise, and Payoneer.
2. Corrective actions taken
You’ll know how hard your case is, why, and how fast your withheld funds can realistically move. If we can’t help, we tell you before you pay.
3. Preventive measures
The answer to the review, written to exactly what the compliance team asked and nothing more.
Exhibits A to F attached
To: Transaction monitoring and fraud models
Re: Account frozen
1. Root cause
Whether the activity that tripped monitoring has a lawful, documented purpose. Common at Mercury, Novo, Revolut, Wise, and Payoneer.
2. Corrective actions taken
You’ll know how hard your case is, why, and how fast your withheld funds can realistically move. If we can’t help, we tell you before you pay.
3. Preventive measures
Every flagged deposit and payment traced to a contract, invoice, payout or investment, numbered and referenced.
Exhibits A to F attached
To: Transaction monitoring and fraud models
Re: Account frozen
1. Root cause
Whether the activity that tripped monitoring has a lawful, documented purpose. Common at Mercury, Novo, Revolut, Wise, and Payoneer.
2. Corrective actions taken
You’ll know how hard your case is, why, and how fast your withheld funds can realistically move. If we can’t help, we tell you before you pay.
3. Preventive measures
Formation, ownership and identity documents checked so every name, number and address matches.
Exhibits A to F attached
To: Transaction monitoring and fraud models
Re: Account frozen
1. Root cause
Whether the activity that tripped monitoring has a lawful, documented purpose. Common at Mercury, Novo, Revolut, Wise, and Payoneer.
2. Corrective actions taken
You’ll know how hard your case is, why, and how fast your withheld funds can realistically move. If we can’t help, we tell you before you pay.
3. Preventive measures
The written request for your balance by method and date, attorney-reviewed when it goes formal.
Exhibits A to F attached
Bank and Fintech Account Actions and Who Reviews Them
Pick a category, then open any case to see who reviews it, what sets it off and what we send.
Who reviews fintech cases
TTransaction monitoring and fraud models
Scores every transfer, deposit, and card payment against the profile on file and opens an alert when activity breaks pattern. Stripe runs risk models and Radar. Mercury, Novo, and Revolut run automated transaction monitoring. Coinbase and Gemini add on-chain monitoring.
Nothing directly. The model acts on data, so the fix is a documented reason for every flow it flagged.
FFinancial crime and AML review
The analysts who work the alert, decide whether activity is suspicious, and recommend a freeze, an exit, or a clear. Revolut names it financial crime review. Wise names it financial crime compliance. Coinbase and Gemini run compliance and AML teams.
A record for every flagged payment that matches the statements and contracts already on file, with no new contradictions.
KKYC, KYB, and due diligence
Verifies the person and the entity under customer identification and beneficial ownership rules, and runs enhanced due diligence on higher risk profiles. Payoneer uses its Verification Center. Wise runs business verification. Adyen ties capabilities to verification. Mercury runs KYB at onboarding and after.
Every document naming the same entity, owners, and address, current and unaltered, with an activity description that matches real transactions.
SSanctions and screening
Screens names, counterparties, wallets, and corridors against sanctions lists and internal watchlists. Coinbase, Gemini, Wise, and Payoneer each run a dedicated screening function.
Identifiers that separate you from the listed party, or proof the counterparty and corridor are lawful.
CCredit, merchant, and program risk
Decides limits, reserves, settlement holds, and whether the institution keeps supporting the business. Brex and Ramp run credit underwriting. Stripe has its risk review team. PayPal runs risk review and limitations. Adyen and Klarna run merchant risk and underwriting.
Current financials and exposure data showing the institution is not carrying loss it cannot recover.
PPartner bank compliance
The chartered bank behind the app, applying its own BSA and AML program. Column N.A. for Brex, Choice Financial Group and Column N.A. for Mercury, Middlesex Federal Savings for Novo, The Bancorp Bank and Stride Bank for Chime, Sutton Bank and Lincoln Savings Bank for Cash App.
A complete file the fintech can pass up, or a direct escalation that shows the case was answered in full.
CComplaints, disputes, and legal
Formal complaint handling, error resolution, and the legal team that receives demands on held funds. Revolut and Wise run complaints teams. Nubank answers through its Ouvidoria. Chime handles Regulation E error resolution. Every institution has a legal department.
A documented record that every request was answered and the hold is no longer tied to a live question.
Freezes and holds
fintech noticeAccount frozen pending reviewAccount frozen pending review
We answer the monitoring questions with one exhibit per flagged payment and run a release request beside it.
Financial crime and AML review
A monitoring alert on money in and out, volume, or new counterparties.
One exhibit per flagged payment, an updated profile, and a release request.
fintech noticeIncoming wire or ACH heldIncoming wire or ACH held
We document the sender, the contract, and the purpose so the specific transfer can clear.
Transaction monitoring and fraud models
A transfer from a new or high value sender that does not fit the profile.
The sender, the contract, and the purpose of that transfer.
fintech noticeOutgoing payment blockedOutgoing payment blocked
We tie the payment to an invoice and a known counterparty, payroll first.
Financial crime and AML review
A payment to a new payee, region, or amount outside the pattern.
The invoice, the payee record, and the business purpose, payroll first.
fintech noticeCheck deposit holdCheck deposit hold
We check the hold against the availability schedule the bank disclosed and the exception it cited.
Transaction monitoring and fraud models
A large or unusual check placed on an extended availability hold.
A request tied to the availability schedule and the exception the bank cited.
fintech noticePost-closure balance delayPost-closure balance delay
We press for the balance by a set method and date, and escalate when it stalls.
Complaints, disputes, and legal
A closing balance not returned on the timeline the notice set.
A written demand for method and date, then a regulator complaint where it qualifies.
fintech noticePayroll blocked during reviewPayroll blocked during review
Payroll held with the rest of the outgoing payments.
Financial crime and AML review
Every outgoing payment paused by one freeze.
A targeted release request for payroll with amounts and dates.
fintech noticeDeposit frozen as suspected fraudDeposit frozen as suspected fraud
An incoming transfer held after the sender bank raised fraud.
Transaction monitoring and fraud models
A fraud report from the sending side.
Proof of the real sale or service behind the payment.
Closures and offboarding
fintech noticeClosure with noticeClosure with notice
We secure the balance return first and decide whether reconsideration is worth asking for.
Financial crime and AML review
An exit decision after a review the customer never saw.
A balance return request first and a reconsideration only if the facts support one.
fintech noticeSudden closureSudden closure
We separate the money from the relationship and document every deposit still in question.
Partner bank compliance
An exit decided at the bank level, often with no reason given.
Proof of ownership of the funds and an escalation to the partner bank.
fintech noticeDe-risking exitDe-risking exit
We show where the business sits against the risk category the institution applied.
Credit, merchant, and program risk
A category, region, or model the institution stopped supporting.
A business profile showing where the company actually sits against that risk.
fintech noticePartial restorationPartial restoration
We work the residual holds and limits left after the account came back.
Credit, merchant, and program risk
Residual holds or limits left after the account came back.
The data that supports lifting each remaining restriction.
fintech noticeClosure after an investment roundClosure after an investment round
A large inbound round read as unusual activity.
Financial crime and AML review
Several large international wires at once.
The signed round documents, cap table, and wire confirmations.
KYC, KYB, and due diligence
fintech noticeIdentity verificationIdentity verification
We audit IDs and addresses for mismatches before one clean upload.
KYC, KYB, and due diligence
A periodic or triggered check on a person on the account.
Current, matching ID and address documents in one upload.
fintech noticeBeneficial ownershipBeneficial ownership
We map owners and control persons to the exact list the request names.
KYC, KYB, and due diligence
An ownership change or a gap between the file and public records.
An ownership chart and the documents the request lists for each owner.
fintech noticeEnhanced due diligenceEnhanced due diligence
We build the business profile, counterparties, and expected activity a higher risk file needs.
KYC, KYB, and due diligence
A higher risk rating that moved the file to enhanced review.
Expected activity, counterparties, and source of wealth, documented.
fintech noticeSource of funds and wealthSource of funds and wealth
We trace each deposit to a contract, sale, or investment, consistent with prior answers.
Financial crime and AML review
Deposits whose origin the analyst cannot see from the account alone.
A trace of each deposit to its contract, sale, or investment.
fintech noticeRegistered agent address flaggedRegistered agent address flagged
A business address that matches a mail drop or agent.
KYC, KYB, and due diligence
An address used by many entities.
Proof of the operating location and why the registered address differs.
Sanctions and screening
fintech noticeSanctions name matchSanctions name match
We separate you from the listed party with identifiers the screening analyst can check.
Sanctions and screening
A name similar to a listed party.
Identifiers that separate the customer from the listed party.
fintech noticeCorridor or jurisdiction holdCorridor or jurisdiction hold
We document the lawful purpose of payments to or from the flagged region.
Sanctions and screening
A payment to or from a region on a restricted or high risk list.
The counterparty record and the lawful purpose of the payment.
fintech noticeAccount screening recordAccount screening record
We check ChexSystems and Early Warning entries for accuracy and dispute what is wrong.
Complaints, disputes, and legal
A closure reported to ChexSystems or Early Warning.
A dispute of any inaccurate entry under the Fair Credit Reporting Act.
fintech noticePayment to a high risk region returnedPayment to a high risk region returned
An outbound wire rejected on corridor screening.
Sanctions and screening
A destination on a restricted or high risk list.
The counterparty record, the goods, and the lawful basis of the payment.
Crypto exchanges
fintech noticeWithdrawal freezeWithdrawal freeze
We find which hold is pending, verification, security, or compliance, and answer that one.
Financial crime and AML review
A pending verification, security, or compliance hold on the exchange account.
The answer to the specific hold, with a withdrawal request.
fintech noticeFlagged depositFlagged deposit
We trace the deposit on chain and document how you acquired it.
Sanctions and screening
On-chain exposure in the path of deposited coins.
A hop by hop trace and records of how the coins were acquired.
fintech noticeAccount terminated with assetsAccount terminated with assets
We press for the return path, asset by asset, after closure.
Complaints, disputes, and legal
A termination with crypto or cash still on the account.
An asset return plan, asset by asset, with a stated destination.
fintech noticeTravel rule information requestTravel rule information request
A transfer held for originator or beneficiary details.
KYC, KYB, and due diligence
Missing sender or recipient information on a transfer.
The required details and proof of control of the external wallet.
Cards and spend programs
fintech noticeCard limit cutCard limit cut
We restore the data underwriting reads and request a limit tied to current cash.
Credit, merchant, and program risk
Lower linked cash, a broken connection, or falling revenue.
Restored connections, current financials, and a limit review request.
fintech noticeCards lockedCards locked
We find the trigger, fraud, compliance, or credit, and answer that team.
Transaction monitoring and fraud models
A fraud, compliance, or credit trigger on card activity.
The answer to the team that set the lock, with the transactions in question.
fintech noticeProgram offboardingProgram offboarding
We sequence the exit so payroll, vendors, and balances move before the cards stop.
Credit, merchant, and program risk
A decision to end the card or spend program.
An exit sequence that moves payroll, vendors, and balances before cards stop.
fintech noticeNegative balance claimNegative balance claim
We test the claimed loss against the records and dispute what does not hold.
Complaints, disputes, and legal
A claimed loss from chargebacks or reversed credits.
A record by record test of the claim and a dispute of what does not hold.
fintech noticeBill pay heldBill pay held
Scheduled vendor payments paused with the cards.
Credit, merchant, and program risk
Outgoing payments during a limit review.
Vendor invoices and a request to release scheduled payments.
Merchant and payout accounts
fintech noticeReserve or settlement holdReserve or settlement hold
We size the reserve against real dispute and refund exposure and ask for a schedule.
Credit, merchant, and program risk
Dispute and refund exposure the processor wants covered.
Exposure data and a release schedule request.
fintech noticePayment under reviewPayment under review
We supply the payer, invoice, and service proof the review lists.
Financial crime and AML review
An incoming payment from a new payer or region.
The payer, the invoice, and proof of the service delivered.
fintech noticeAPI or production access deniedAPI or production access denied
We restate the use case and controls the platform needs to approve.
Credit, merchant, and program risk
A use case or company profile the platform could not approve.
A restated use case, the controls in place, and company verification.
fintech noticeMarketplace payout heldMarketplace payout held
Payouts from a marketplace held at the receiving wallet.
Financial crime and AML review
A new or larger payout source.
The marketplace payout reports and the seller account record.
Your fintech case may not be listed here. We have likely seen it.
We’ve worked far more bank and fintech cases than fit on one page, including rare notices and stacked decisions. Send us yours and we’ll work out the path with you.
Frozen Bank and Fintech Account FAQs
Don’t see your question? Send us your notice and we’ll answer it directly.
Why did my bank freeze my business account?
A bank freezes a business account when its risk or compliance team flags activity it needs to review, such as unusual deposits, fast-moving funds, mismatched business details or a suspected fraud or identity problem. Banks rarely explain the trigger. Pull your statements and invoices for the flagged period so you can account for every large or unusual transaction.
Why won’t my bank tell me why my account was frozen or closed?
Your bank may not be allowed to tell you. Federal rules bar banks and their staff from disclosing a Suspicious Activity Report or anything that would reveal one exists. Many fintech and crypto agreements also say decisions can rest on confidential risk criteria. That is why the answer usually has to come from your own records.
What should I do first if my business bank account is frozen?
When your business bank account is frozen, first get the bank’s request in writing and note any deadline. Then gather statements, invoices, contracts and ID that explain the flagged activity, and answer only what the bank asks. Move payroll and vendor payments to a backup plan while the review runs, without hiding any funds.
How long does it take to unfreeze a bank or fintech account?
Unfreezing a bank or fintech account can take days or several weeks, depending on what the review needs. Coinbase, for example, says restriction reviews typically take up to 10 business days, though some cases take longer. Answering every document request fully and quickly is the best way to keep the review moving.
What is a source of funds request and how do I answer it?
A source of funds request asks you to prove where the money in your account came from. Answer it with documents that trace each large deposit, such as invoices, contracts, payout reports, sale records or tax filings. Crypto platforms may also ask for enhanced due diligence before raising limits or releasing funds.
Why are my crypto withdrawals frozen on an exchange?
An exchange freezes crypto withdrawals when it suspects malicious activity, runs into a problem during account recovery or needs more identity or source of funds information. Coinbase’s user agreement lets it suspend or restrict accounts at its discretion. Respond to the exchange’s information request with complete, matching documents to start the review.
How do I get my money back after a crypto exchange closes my account?
After a crypto exchange closes your account, you usually get a limited window to move your funds. Coinbase allows transfers of supported assets and USD for 90 days after closure unless the law restricts it, and it does not convert or sell crypto on closed accounts. Have a verified bank account and an external wallet ready.
Will a closed bank account show up on ChexSystems?
A closed bank account can show up on ChexSystems if the bank reports it, such as for unpaid negative balances or suspected fraud. ChexSystems is a consumer reporting agency, and under the Fair Credit Reporting Act you can get a free copy of your report every 12 months and dispute anything that is wrong.
How do I keep my business account from getting frozen again?
You keep a business account from getting frozen again by keeping your business details current with the bank and documenting every large or unusual transaction as it happens. Tell the bank before big changes in volume, new payment sources or new countries. Keep business and personal money separate and invoices on file.
Is it worth hiring help to resolve a frozen bank account?
Hiring help to resolve a frozen account makes sense when a large amount of money is locked, the bank’s requests are unclear or a first response was rejected. A good team builds a clean document file that answers each question the reviewer asks. Start with a free assessment so you know where you stand before you pay.
How much does it cost to get help with a frozen account?
The cost of help with a frozen account depends on the institution and how hard the case is. A single source of funds request takes less work than a closed account with locked money across several platforms. We start with a free assessment, then quote a price based on the work your case needs.
Can anyone guarantee a frozen account or funds will be released?
No. The bank, fintech or exchange makes the final decision, so no one can promise your account or funds will come back, and you should be careful with anyone who does. What we commit to is the work: a complete, honest document file and steady follow-up. You get a straight answer on your chances before you pay.
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Get a Free Assessment of Your Frozen Account
Send us the notice, your statements for the flagged period and anything support has said. We’ll tell you where you stand before you pay anything.
- A specialist reads your notice before the call
- You leave with the route and the grade in writing
- No fee to talk, no obligation after