I suggest that you file a complaint. It is not very difficult to do, and your case is very strong. Even the 125 page agreement is ridiculous. I find it hard

I suggest that you file a complaint. It is not very difficult to do, and your case is very strong. Even the 125 page agreement is ridiculous. I find it hard to believe this would be upheld in court. There simply no way that customers are reading the full document before agreeing. HOWTOs from official US gov't websites: https://ask.fdic.gov/fdicinformationandsupportcenter/s/article/Q-How-do-I-file-a-complaint-against-a-bank?language=en_US https://ask.fdic.gov/fdicinformationandsupportcenter/s/artic... https://www.usa.gov/bank-credit-complaints https://www.usa.gov/bank-credit-complaints https://www.federalreserve.gov/faqs/credit_12666.htm https://www.federalreserve.gov/faqs/credit_12666.htm