Inexplicably being denied access to your own funds without being told what's going on or when the issue will be resolved could be an indication of a crime. I'm not saying it is a clear indication, but I'm not denying the possibility either.

There can be any number of hypothetical reasons for the situation being the way it is, and you can't exclude ones which are clearly criminal in nature (say somebody hacked their account and emptied it for funds). You should also draw parallels to other service providers (hospitals, universities, etc).

> "It's so easy to react emotionally to things when they affect your livelihood"

What other choice do you have in such a situation? This person exhausted every option they had, only to eventually get the help they needed by randomly reaching out to internet strangers. If it wasn't for this, who knows how long they would remain locked out of their account without any visibility into what's going on? Meanwhile, their business would be hurting, creating a cascading effect.

Filing a police report in such a situation isn't "reacting emotionally".