I have no information specific to Citi but I doubt very much that any bank manager/supervisor is in a position to do anything about a decision made by the Compl

I have no information specific to Citi but I doubt very much that any bank manager/supervisor is in a position to do anything about a decision made by the Compliance office. Compliance is a big gorilla in a financial services org -- they're responsible for keeping the company out of legal trouble. That includes making sure SarbOx, the Patriot Act and other regulations are followed to the letter. Most of the rules they enforce have significant financial/legal consequences so their decisions get a lot of deference. And the nature of compliance actions, which are often triggered by things like suspected money laundering or fraud, means front-line employees are unlikely to have any detailed information about the reasoning behind them, beyond a brief note on the account from the compliance office, which reveals no more than the barest minimum of information (the folks Fabulis talked to were probably all giving the same response because they were probably all reading the same compliance-office note on the account). All of this makes a lot of operational sense -- missing a legitimate compliance violation costs the firm more than cleaning up after the occasional false positive, as long as those false positives stay occasional. But the downside is that one stupid decision by one stupid employee in the compliance office can take some serious effort to unravel. The legit complaints have to bubble up through all the deadbeat dads bitching about having their child support payments garnished...