Point #1 is very unlikely I think. If it turns out to be the case, it should be returned somehow, right.
Point #2 makes sense about the $166
As far as the $6,499 amount from CYC is concerned I am not giving it much weight, instead going by what the bank would say in 5498-SA.
I initially did give CYC transaction Numbers some credibility but don’t think I should anymore.
