A few years ago I had my bank account frozen. I had no clue about the reason. Later I found out that it was due to my wife’s missing social security number, which she didn’t have being a non-residant with a dependent work visa.
We had to give an affidavit of that fact to unlock the account. And it took more than a week to unlock the account. One my credit card auto payment was declined and I was assessed a late fee. I got the fee waived anyway, but that forced me to open other checking accounts.