[Josem]

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OP's money isn't stolen or even confiscated. It's just frozen while FTP investigates whatever it is they suspect her of doing.

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"Seizing someone's money, with no reasoning or justification, and refusing to say when it will be returned" is pretty close to a decent working definition of "stealing."

Let's call a spade a spade. No other business in the world would be allowed to behave like this.