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I believe that you are correct about the stalling tactic. Go to her supervisor and report what has been going on. Insist that your lock be extended for 21 days. Other than that, there's not much you can do other than file a complaint with FDIC. See: http://www.fdic.gov/consumers/questions/consumer/complaint.html
(note: I don't know what this refers to: TMcJD paid by Pay Pal $30 but has not appeared on my Credit Card nor e-mail.
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