Citi is a dumpster fire that I swore off as a teen. Only company to ever send me to collections, since I refused to pay their 'fees' after closing my account,

Citi is a dumpster fire that I swore off as a teen. Only company to ever send me to collections, since I refused to pay their 'fees' after closing my account, which of course accrued late fees. This was in the overdraft fee era when banks seemed to have fun finding ways to extort you. Now, I'll churn their credit cards time to time just to feel like I'm doing my part to stick it to them. Rant out of the way, I've had something like this happen to me. What's more, all bank security I've dealt with treat you as a liar, always condescending, and are generally not allowed to provide any information as to why they are doing what they're doing. I highly recommend spreading some amount of cash among at least two financial institutions. No matter how great you think they are, they can turn on you in a heartbeat for some esoteric reason.