In early February during a snowstorm and major cold snap, our furnace broke down. The day before, I had transferred money from an external account to PenFed savings but then transferred it back to my external account to help pay for the new furnace. A day or so later, my PenFed online account was frozen. Savings and credit card. I called. They wanted certain documents, which I sent. It’s been two weeks and I sent them an email asking what was going on.

I called and found out that the first six numbers of my external account were not visible and I would have to contact that bank so they could email those missing numbers to PenFed even though I said I could provide them. No. They had to come from the other bank.

Also, during the phone call I had to answer questions that would be hard for an imposter to answer on the spur of the moment. I am who I say I am. My husband got involved and now they’ve locked his account too.

This will be straightened out eventually, and when it is, I will be withdrawing all my money from my savings account.