Banks are obliged to report any activity they deem suspicious to the National Crime Agency (NCA) which has up to 31 days to investigate. During that time, the funds have to be frozen and the bank commits a criminal offence if it tells the customer why.
Where was Anna Tims when Watchdog did their hit piece on Monzo? 
For all the millions of words that have been spent, that one paragraph ends up being a precise and succient summarisation of the issue. Can we save it and use it every time someone complains in future?