Banks and financial institutions are scum, they even flout there own terms and conditions when it suits.
When I got done for £7k they were supposed to write to me and inform me of the chargeback and the date when they would claw it back, they didn't I got up one morning to a text on my phone to tell me my business account was overdrawn, Global Payments took £21k out of my account, there wasn't enough in to cover it so HSBC raided my savings account without my permission to cover it.
The reason they took another £14k was I had made 2 sales to the US that might be fraudulent but weren't just to cover their backs, I eventually got the money back, they then wrote to me to inform me of the chargeback and took the money again.