In a nutshell, on 9-6-2011, I noticed odd charges on my account. I contacted the financial institution on 9-7. For the next two months I contacted the financial institution numerous times to get the required dispute forms I needed to investigate the issue. As they informed me on numerous occasions that they would not do anything without their specific dispute form signed and returned. For two months and dozens of calls took place trying to resolve the issue. The financial instruction would claim they sent the forms but none of the forms ever arrived. The odd part was they cancelled and reissued my debit card on two occasions. So during this two month period two debits cards and two pin codes all arrived without issue. Also I made attempts to request the financial institution to mail the forms via certified mail. The first time I made the request they said it had been done, and it never was. The 2nd time I made the request for certified mail I was told they couldn't do it. I have a mountain of evidence of deception, failure to follow Federal Reg E (as I understand it), knowingly committing deception (I have evidence of this and evidence of them trying to alter dates). The final straw was the financial institution freezing my account on 9-7-2011 which caused my investments to lose 10's of thousands of dollars in value. They never notified me my account was frozen at anytime. I only discovered it when a check bounced.
****Further Detailing of my case****
On 9-6-2011 I noticed odd charges on my brokerage account (the firm is a large financial instituition).Contacted brokerage firm to begin dispute. On 9-7-2011 brokerage account was frozen (never notified and something I was unaware of for a significant amount of time). Over the next two months the brokerage firm continued to inform me that they had indeed mailed the proper dispute forms. Dispute forms (these EXACT ones) must be submitted before they would take any kind of action. During these two months numerous calls were made to customer service regarding the status of the dispute forms. Every time I was told the required dispute forms had been mailed and every time they were suppose to arrive they didn't. The biggest issue for me was the fact numerous other pieces of mail all arrived on time (verifiable). On 4 separate occasions (2 cancelled and redistributed debit cards arrived and 2 additional pieces of mail containing the pin codes) all arrived without issue. Finally on 10-20-2011 I drove to a branch office and demanded the proper dispute forms. After hours of waiting and listening to the receptionist tell me they couldn't find the proper dispute forms, I finally got my forms. Afterwards it took the financial institution over a month to notify me of my account status. There was never an explanation as to what was going on. I lost over 15K from various investments due to account being frozen. No inquiry or investigation was ever done on the merchants. In fact after I was notified my account was to be closed around 11-20-2011, they informed me at that time, through someone from the Department of Financial institutions they were willing to assist me in investigating the merchants. This is only a very brief (and sloppy) explanation of the case. I can provide a more detailed timeline upon request. Do I have a case? Would a lawyer take my case on "Contingency"? If so, where would I even find a lawyer to take the case on contingency?