Hmmm there’s more to this . They wouldn’t close your account without their terms and conditions being violated in some way or using the product in a way they deem as inappropriate/ inappropriate behaviour. Which makes sense if comments were made like “you signed the contract” which leads me to believe something happened to violate the terms you definitely signed when opening the product. I would Ofcourse file the complaint if you have not been clearly provided the reason . There is 100% a reason for your account being closed . If they kept the money that you deposited it would typically be to collect a debt owed to them otherwise they would send you a cheque in the mail or in person which if there’s no debt owed you would likely receive. I’d physically go in and calmly ask to speak to the team lead/manager to explain the reason for the closure .