I am not a lawyer and I have no idea. That’s why when I’ve been wronged by an institution with dozens of lawyers, I contact the CFPB. That’s what consumer prote

I am not a lawyer and I have no idea. That’s why when I’ve been wronged by an institution with dozens of lawyers, I contact the CFPB. That’s what consumer protection is supposed to be. Unfortunately based on the OP’s experience it looks like the CFPB had been severely handicapped since the last time I had to complain to them. Now they only have authority over banks with more than $10 billion in assets.