The way I figure it the charge is counterfeiting money. If the bank starts lending fractionally with your funds on account then that extra money created off your presumed signature is not bonded by your endorsement.
Possibly you could file a Criminal Complaint?
At this time with suitors in the brain trust and even here on the forums, I am promoting you keep your own demand and records in order without monitoring the bank. The objective is to get a full refund or keep your full income. If you want to get into enforcement though, please do it scientifically and methodically so that we can examine your process for useful items.
P.S. I did not include squalking about your demand in my post here. You can find many alternatives including a broad notice of your demand served by a process server etc. I do not consider that a compliance issue. The law says nothing about the bank being able to interfere with your demand. The bank cannot interfere with your demand. If you make your demand then your demand is made.