re: Long story. My parents and “check washing”.

For that amount of money, you hire a lawyer and write a few letters to make them know you are serious.

Also, call your local branch manager, light his arse up, and tell him you are going to make the biggest stink about it in town. Drop some 1-star yelp ratings and such.

Then begin making a huge stink. Banks do not like that kind of negative publicity. Put 1000 flyers on the hood of cars at Sams Club and Walmart or something.