Katie McMaster thought she had escaped one nightmare when she left ING, only to find herself in another with HSBC. Her attempt to log in ended in silence—no access, no warning, no explanation. What followed was the second time in months she had been locked out of her own money. The...

The current model treats people as guilty until proven innocent, with banks offering little empathy or clarity.

Scroll to about 3/4 down in this article as it explains exactly why this is happening. I wouldn't wish my banking situation on anyone however, if this has not happened to you before then I am sorry you don't know how the banks are operating.

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‘Good question’: Aussies are frozen out of their money—and banks have no answers

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