They claim to hold 3.7MM in frozen "reserve" funds from ACH transactions.

If they are insulated properly, you shouldn't have frozen pipes.

And until that suit was settled, ALL of your assets essentially could be frozen.

-Its a first lien HELOC, so more secure than second liens that were frozen circa 2008.

Lastly, based on facts and circumstances a plan can also be placed on "frozen" status.

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We sized up the situation - unit could not be re-rented w/o a substantial renovation - and agreed to the 24-months of frozen rent in exchange for a further reduction in the sale price by the amount of 24-months rent at market rate.  

I'm debating writing myself a check to avoid the risk of the HELOC being frozen, I'm in the early stages of planning for an ADU project.

If there is a leak in the freezer it could very well be that there is an ice dam build up and/or frozen condensation drain line that is not allowing the water from condensation to make its way into the condensation tray.

minor stuff (rubs and holes from picture hanging) I go with Frozen theme and "let it go" but this is probably because I only use one interior color on all my units (same sheen, too) and self manage, and do about 100% of the common turn around tasks...then touching up is a relative breeze on the turn around as far as painting goes. so get the codes if you can from the owner or from the next paint job...you are probably in the realm of wear and tear here and run some risk of a dust up over the deposit that may cost more time and stress than a touch up paint.