That is truly frightening. I have felt that way for a long time and although I do have a regional bank, I don't have faith in the system like my parents did. I credit this very blockchain with opening my eyes to the need to have alternative finance options. So many old folks (yes, I'm an old folk lol) are at the mercy of their bank and are going to suffer such a fate as you describe here. It is scary!
It shouldn't happen. I was able to sort it out today, but literally, they just shut my bank account access because they didn't have a picture of a card they need for government rules, and that card is government issued. The amount of incompetence in government is ridiculous. I get that the businesses can't keep up at times.
Happy to hear you got it sorted. Government incompetence seems to be the norm everywhere these days.