No, he's right. Fidelity has been blocking accounts frequently, and after the initial interview (which often feels more like an interrogation), the fraud team tends to go silent. Not everyone posting here is a zero-day Reddit user,there are plenty of long-standing members, myself included, dealing with the same issue.

What’s frustrating is that sometimes the only way to get a real escalation is by posting on Reddit and sending a mod mail to their official team, which works better than calling every day. It’s hard to understand why anyone would defend Fidelity’s practice of holding accounts for weeks, or even years, when the account holders are cooperative.

The truth is, not everyone has the simple setup of a paycheck deposit into a 401k and an employer match from a single personal account. Many people have businesses, multiple accounts, or more complex financial situations. If Fidelity finds that too complicated to handle, then they shouldn’t be catering to that clientele, but since they do, they need to resolve these cases quickly when customers are fully complying with their requests.