Fraud! Domestic banks have repeatedly frozen securities accounts "Please go to the branch to unlock," netizens: Who compensates for default delivery?

Starting in September, domestic banks will upgrade their fraud prevention and control standards once again, causing many citizens to complain online about their accounts being frozen, including securities delivery accounts. (Background: The Financial Supervisory Commission of Taiwan summoned banks, demanding "No Loan Limits" for housing loans; they cannot refuse the public based on Article 72-2 of the Banking Act.) (Additional Background: Bankers are attempting to rewrite stablecoin laws, and crypto lobbying groups are protesting en masse: suppressing innovation to weaken competition.) The crackdown on fraud is relentless! Recently, the government's efforts to combat fraud have intensified, and domestic banks are also increasing account risk control following the guidance of the Financial Supervisory Commission. However, in the past two days, there have been continuous complaints online from the public about accounts being inexplicably locked. One netizen vented their frustrations, stating that their securities delivery account at Taipei Fubon was suddenly frozen, and customer service requested they go to the nearest branch to unlock their account, which left them very distressed. This netizen posted on Threads, complaining that they work in Kenting and need a 2-hour drive to the nearest branch to unlock the account. If the delivery account cannot be unlocked before tomorrow morning, it may lead to a default in delivery. Since bank business hours had ended, after multiple calls to customer service, the branch agreed to assist the netizen with an online unlock. More netizens are having their accounts frozen. This netizen also discovered today that their delivery account was frozen without any notification, with the reason being "the account has not been used for too long," which made them very angry. Another netizen also had their account frozen due to "the account not being used for too long," and their deposit using an ATM card was deemed abnormal usage, requiring them to go to the branch to unlock it. Yesterday, a Taipei Fubon user also had their account locked. Under their insistence to "deliver the ashes of the deceased to the branch for chanting the death chant," customer service agreed to unlock it online for them. Many netizens consulted, and Taipei Fubon customer service explained that they now use AI to assess risks and automatically freeze accounts. The banks are helpless in their anti-fraud measures and ask for customer understanding. With the increase in bank risk control standards, crypto users also need to be cautious. In recent years, Taiwan has seen a rise in fraud cases and victim amounts. Many banks have begun implementing new regulations to prevent fraud starting in September, with the most obvious being the "accounts with no transactions for a long time," meaning accounts that have not been activated for too long or have not had money coming in or out (including accounts that have not logged in to online functions for too long) are easily subject to automatic freezing of transaction functions, meaning they cannot use online banking and need to go to the bank branch to unlock. However, since each bank has different risk control standards and does not disclose detailed information, most judgments are made by programs. Many citizens' accounts get locked simply due to automatic freezing based on system judgments. The main reasons for freezing include: Accounts that have not been used for a long time / online banking logins that have not been made for a long time / no remittances or deposits for a long time / sudden large remittances or deposits after a long period of inactivity / too frequent logins / remittances / deposits (common among high-frequency traders) / cash flow interactions with alert accounts. Recently, many rumors have pointed out that individuals with large transactions to cryptocurrency exchanges are also being specially scrutinized for fraud prevention. If possible, when using domestic bank services, it is still advisable to handle transactions at the counter and keep complete records of one's investment and trading activities. Related Reports: "Coin Ideas" involved in 2.3 billion Money Laundering! Colluding with a fraud group to harm over a thousand people, the person in charge is seeking 25 years in prison. Heavy penalties for cryptocurrency fraud! A New York man was fined 228 million dollars and sentenced to nine years in prison for fraud. Exclusive interview with WLFI CEO and COO: Ending bank monopoly and truly returning finance to users. "Cracking Down on Fraud! Domestic banks are repeatedly exposing frozen securities accounts and asking users to come to the branch for unlocking." This article was first published in BlockTempo, the most influential blockchain news media.