My neighbor's credit monitoring advice backfired in a weird way

Last spring, my neighbor Frank insisted I freeze my credit after that big hospital data breach, so I did it through all three bureaus. Then I applied for a small business loan for a new mower and got denied because the bank's identity verification couldn't see my frozen file, even after I gave them the PIN. Has anyone else had a freeze cause more headaches than it prevented, or is Frank just cursed?

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