[jeffmould]

Even worse scenario here. I had 4 accounts (a personal checking, savings, a joint checking, and a business account) at Chase. I transferred money from my savings to my checking one day to buy a car. Did a wire transfer from the checking to the dealership. The next day transferred excess funds back to my savings. To me a completely normal set of banking transactions. To some Chase fraud algorithm though it was a red flag and my primary checking was closed. But instead of notifying me there was an issue or that they were closing the account they opted to just lock me out of online banking entirely on ALL my accounts since they were all linked together with one user id.

When I called to figure out what was going on I was advised the account was closed and that a check would be mailed with remaining funds within 60-90 days. I asked about the other accounts and they are all fine and open. BUT, because the fraud closure was related to an online banking transaction I would no longer have access to online banking. Pretty much rendered the remaining accounts useless at this point. So while they didn't close all my accounts themselves, they pretty much forced my hand to close my remaining accounts.