Originally Posted by
worldtravels
... Seems to me one return payment wouldn't trigger a complete shutdown.
Yes, the two events were not even coincidental (being 3 months apart). I got the impression from the story that this shutdown was reviewed by human(s). So I would look for more events that could reasonably be correlated to higher risk for the bank, and something they would be unwilling to disclose (low-equity mortgage, traffic citations, large medical charges to their CC's, who knows).