Account locked for FICA verification

Tonight I logged onto our HOA account to authorise payments to find I could not process the authorisations. When I called the ***number I was told that the account has been locked awaiting FICA verification! Could you at least have bothered to notify me that this was necessary / outstanding ? No - you simply didn't bother ! You just left it. NOT ONE SINGLE PERSON has notified us that FICA whatevers are needed ! So here I sit needing to make urgent payments and I can't - I must go into a bank which means taking time off and stand around wasting my time. Your service is pathetic to say the least, but you as a bank don't give a damn.