Fifth question: What sort of problems or inconveniences did individuals run into when they tried to freeze their credit after this breach? $[$Choose all that apply$]$

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They could not apply for a new loan while their credit was frozen.

They had trouble withdrawing money from existing bank accounts.

Their credit cards stopped working for a few weeks.

They had to pay freeze and unfreeze fees at other credit reporting agencies.

$$ They learned that hackers could still create new fraudulent accounts at the same bank where they have a checking or savings account.