Bank can not close or frozen their customer account without giving notice or general information. You can file a case in consumer forum for Deficiency in services and a private complaint under criminal breech of trust
Dear sir, really speaking its sad state of affairs. Actually, no guarantee can be withdrawn by this kind of notice. Even though your got separated from you, that does not absolve her from liability. She continues to remain liable till entire amount is repaid. Upon receipt of such letter from your wife, Bank could have transferred the facilities in your name and could have continued the facilities. It is arbitrary on part of Bank act upon such letters and stop operations in account. You can file consumer complaint. you can file civil suit also for damages.
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