Speaking of the pain things; .11 allows the bank to require a written statement from the acct holder. If the acct holder fails to give one, will that give the bank an out on providing a "written" notice of resolution?
Also, there is a fine line between an acct inquiry and notice that an error has occured, especially if made in person:
1) "My direct deposit isn't posted yet, any idea why?"
2) "My direct deposit isn't posted yet, why?"
3) "My direct deposit isn't posted yet, my employer informs me that it was send 3 days ago; why?"
Inquiries and complaints made in person can get into that gray area.