Notice how almost all of those cite "suspected fraud"? The bank will always be paranoid about fraud and if you do anything to freak them out, you're done. They'

Notice how almost all of those cite "suspected fraud"? The bank will always be paranoid about fraud and if you do anything to freak them out, you're done. They're worse than cats when it comes to flipping out and skittering away. In the cases where resolutions are cited the customer receives their money back. This is due to federal laws regarding banking. Contrast this with PayPal who needs no reason to freeze your funds and will hold them as long as they damn well please please federal banking law (for the most part) does not apply to them. This even though they're regulated as a bank nearly everywhere else in the world. But then again this is the US and when do we ever do anything that makes sense?