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This is starting to look like these 'failures' are one of those new fangled 'banking' scams. i.e. they 'have a problem' with their systems, peoples payments bounces, charges are incurred. A certain percentage of those people who have charges won't complain or get redress. Yeh! profit for bank or banks - it an oligarchy after all. I suspect a cycle. Place your bets on the next bank to have 'problems' with their basic accounting processes.