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Whether you get a cifas or not is outside your control.
Therefore, if someone has been attempting to gain entry to your account, certainly notify your bank and see what the issue is and get the bank to work with you to resolve the problem.
If the account is locked, you would not be able to close it. So speaking to the bank is your best and safest option.
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The bank would report such a matter anyway if they think your account has been subject to fraud, why else would they close it? the only reason banks really freeze accounts are because they suspect it is being used or attempting ti be used be someone else, or the owner of the account has misused the account, or they have a legal request by the police or court to freeze the account.
No, if the account has been frozen then you have no access to it. The bank would have to unfreeze the account before you could close it.
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