Screw your bank regulations, they are close to useless, besides maybe FDIC insurance.
A few years ago I bought a computer on eBay, paid with direct bank transfer, to the same bank by coincidence. When I didn't get my PC, and eBay told me to fuck off, I asked the bank to reverse the transaction and/or to provide me with the true person's details (it looks like ebay seller gave me the correct bank account number, but fake name). The bank told me to file a police report. I did. Sent a copy to the bank. The bank told me to fuck off.
End of story. sad_trombone.mp3