From a Reg E perspective once you close your claim, final is final. I agree that when funds are paid a second time to a consumer, they should not benefit. Here is an excerpt from my Reg E manual:
"This is when many bankers claim that “unjust enrichment” can be claimed and that the consumer is not intended to profit off the claim. While this is true, unjust enrichment is for a court to decide and the bank must determine if it wants to take its depositor to civil court."
A customer could offer the funds to the bank, but I question legal authority for the bank to just take it.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell