like I said "If you don't get any satisfaction"
you sound like you work in a bank call centre.
Banks vastly over-step their bounds and help themselves to other peoples money on a regular basis, hoping their customers, unlike Dan, won't catch on, or will roll over quietly if they do catch on. (seriously, a service charge for me to put my money IN your bank, and you'll pay me .5% interest...although not actually theft, like in Dan's case)
Your reaction tells me that the AG's office would be an effective place to lodge a complaint. Although, I re-read your post and the ombudsman sounds like it might not be a bad idea either