dude the bank is the bank THEY CONTROL THE FUCKING MONEY if your card gets stolen and used guess what funds are covered if your online account gets phished and some one sends out fraudulent EMT's guess what your covered .. if you sent a emt and it didn't arrive at its "destination location" guess what your covered I really have not a whole lot to prove you keep doing what your doing but your wasting mine and everyone elses time and your breath when it could be exploring options of retrieving your money back save your breath with the phone monkeys from india and go INTO a branch and speak with *ONLY* the branch manager I promise you they can work some incredible magic