I spent a few years ghostwriting letters to banks as a hobby. You wouldn't believe how many stories there are like:http://soraven.com/2017/04/05/how-bank-of-america-gave-away-my-money/ …
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As soon as it gets to legal review, it would be addressed with alacrity. There's an entire department of people who can resolve this.
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<Not legal advice>You'd get resolution quickly with a 2 paragraph letter which included the words "Regulation E."</Not legal advice>
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