“when they lock an account, it's frozen for 10-15 days and then when it's closed they send a check in the mail” Sounds like their compliance team has concluded

“when they lock an account, it's frozen for 10-15 days and then when it's closed they send a check in the mail” Sounds like their compliance team has concluded you’re in breach. Pretty sure that 10-15 days is there because it allows for the 7-14 days of forensic accounting / legal investigation to conclude whether you have committed a crime and will forfeit the money. You would know better than us why Chase might think this.