I would call them back and very seriously ask this question:
Um, hi, I wanted to ask about you freezing my bank accounts. The bank keeps adding charges and taking them more negative. If you freeze them, will the bank stop that and give me time to pay off the previous charges? Because every time the balance is negative the charges are higher and I can’t get caught up now.
I would but I’m not a good liar. First of all, my main bank account is a new type, and there is no way a check can bounce because each check has to be pre-authorized. And there are no fees or charges because it is actually a debit account. If that makes any sense.
My other “banking” account is just a debit account that receives money by email or another bank account. Not much IRS (the REAL IRS) could do with either of them. I love it because I never have to touch money unless I want cash, and then I go to an ATM.
My years of working in downtown Las Vegas taught me not to carry cash, so I don’t. I have change in a froggie bank and now, quarters in my laundry bag, neither of which would help the IRS fill its coffers.