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She did refund my account but it's only good for 10 days if we can't figure out or replace it then they pull the money back out
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I don't think
you should have to figure it out at all. It is their responsibility once you leave it with them. I wouldn't settle with the branch manager. I would go above her and I would do it before ten days are up. I wouldn't wait to give the opportunity for them to push it back on you. The best defense is a good offense.