I had something similar happen here in NL, so it's not limited the USA, unfortunately. I paid a very modest invoice amount - to another HN'er, go figure - and as a result got locked out of my online banking and the transfer was held. Took a couple of late night phone calls to get that restored, and then, - surprise -, the next day my accounts were locked again. More phone calls and since then it's been back to normal but this is so amateurish.