A shibboleth for dealing with banks: if you ever have a problem with a transaction, get the words “Regulation E” into your description. You will find they listen much more attentively at that point.
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I once got an escalation fallback when referencing a local regulator's recommendation. So results can vary. But my worst case was the team manager dealing with a pretty standard issue just because I used A LEGAL TERM. Not a US bank though.
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In the UK - the key phrase with banks is "Treating Customers Fairly"
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Is this the banking version of, “am I being detained?”
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