After you file

This comment is completely useless.  Neither of these "reasons" for them to withhold my return apply.  There is also no customer service number.  All I can do is send a blind email and wait, apparently.  This is despicable, especially now that I see it's gone on for years.  Shame on me for not paying in advance as I have always done, but shame on you for offering this option when you know this bank is not above board.