Had a similar issue with Bank Of America some years back over an overdraft. They chose to drag their feet crediting a deposit.
Also had a similar issue with one of my credit cards "losing" a payment of mine. They chose to cash the check late. After a rather tense phone call, they agreed to waive the late fee, and the hit to my credit score, when it was discovered that they had changed the payment address without much of a useful notice.
That incident prompted me to start paying credit card companies electronically and not by check.
Make Orwell fiction again.