Short answer "it depends." Long answer: It depends on your jurisdiction, the entities involved, the amount of money involved, and probably more. However, it's

Short answer "it depends." Long answer: It depends on your jurisdiction, the entities involved, the amount of money involved, and probably more. However, it's not possible to know ahead of time, you'd need to go to court and argue why this entity is being unreasonable in demanding the money be returned.