"They don't have to be accountable, they don't have to be ethical, and they don't have to give a damn. That's a recipe for an entity that needs to be broken up already. Since they haven't been, now is as good a time as any to begin.
In the meantime, if you have read this far because you're in the middle of a similar nightmare, I have advice for you. Run, don't walk, to the CFPB and file your complaint now. This is the one place where you might actually get clout you don't have on your own. Do not assume the bank is being incompetent or bureaucratic. Assume they are doing their level best to screw you and get an advocate on your side."
