Different topic, but I find not enough people are aware of the CFPB (Consumer Financial Protection Bureau) complaint process.
If some financial-related company wrongs you and you can't get through to support, file a complaint. Suddenly they listen and contact you back.
My account at Venmo was banned with zero explanation and no support would talk to me on the phone. I submitted a complaint to the CFPB, got a phone response within 2 weeks, and was promptly unbanned.
https://www.consumerfinance.gov/data-research/consumer-compl...
But if they show a pattern of misleading consumers, stealing money and blocking complaints by hiding behind an abusive TOS, eventually if enough people complain that can lead to rulings that they can't get away with that anymore. So it is important to file every complaint.
In an ocean of government dysfunction, the CFPB is quite a beacon of hope. An agency that takes citizen input, listens to it and gathers statistics on abusive trends and eventually, if there is enough evidence, acts on it.
That's why it is important to report all unfair financial practices by these companies that have no support and make unilateral decisions that you can't appeal. While your case might not be resolved directly, it contributes to these stats that eventually lead to regulations that stop the abusive behavior.