Everyone who discovers when their Bank is pulling a fast one, needs to go to the OCC right away and file a complaint. If you wait longer than 60 days they cant really help you according to the law. Lobbyists have done a fine job of keeping consumers and banking victims in the dark about this. Here's the link to file your complaint:
https://appsec.helpwithmybank.gov/olcc_form/Even if your victimization has occured past than 60 days, I'd recommend filing anyway. A pile of paperwork, even if old, could signal some legal eagle that there is a real problem here. I hope this helps someone.