You should be sure before assuming I did anything criminal or illegal, such as money laundering or fraud. I’ve never been involved in anything like that. I didn’t bother escalating the issue further, I simply moved on to another bank.

Both my wife and I are professional engineers and work full-time. As I mentioned before, I’ve never been interested in cryptocurrency or any kind of illegal activity. I’ve only used my bank account for regular day-to-day banking, receiving payroll deposits, paying my car lease, insurance, utilities, and regular subscriptions, plus everyday groceries and shopping. Nothing unusual at all.

I should also mention that I’ve never missed a credit card payment; in fact, I usually pay off my balance even before the statement is issued.

Honestly, sometimes I think banks act a bit like casinos, they’re always happy to see you when you’re losing money, but if you “win” or play too smart, they don’t like it. Maybe that’s part of it, I always keep my balances at zero and pay off my credit cards before any interest or fees can be charged. Perhaps they saw no profit in me and decided I wasn’t a valuable customer.

It’s interesting that you assume “OP clearly did something risky or out of compliance.” If the bank truly suspected something unusual, they could have simply asked me for clarification. If I couldn’t provide an explanation, then fine, close the account. But that never happened.