The final 2 letters I wrote, copying the FDIC, State AG, and DE Bank Commission, like all the rest, basically detailed his 8 lies, asked him for records all the way back to when my wife opened her account, and suggested that it would be a shame for him to be deposed for 27 dollars..yes, just the BS threat of small claims did it..(well, class action got mentioned too..), but I wonder if the fact that I am in a state where they are actually running a payment drop had anything to do with it. Lesson learned for everyone here is that CCB WILL break down if you have the facts and keep hammering them. They KNOW when they are wrong, which tells me they truly are knowingly breaking the law, not just ignorantly doing it. I followed the rules to the letter, kept writing (yea, it was about 100% principle, not $$), and would not let it go. Until this last letter I was civil. The last letter which got the check got down and dirty, and got results... It CAN be done..just lower yourself to playing the scumbag's game at their level..