My first post can be used to reply to your second as well.
What do you want the bank to do?
You are clearly not accepting the apology, which goes without saying that they probably fixed the issue and will not do it again.
Yet you are fixated on the fact that they do not acknowledge the issue.
They did. So what do you want?
I think what should happen is that there should be some ramifications for companies that has problems affecting customers in this way. It's such a one way situation, it boils down to they can simply do whatever they want and a sorry must suffice, but when the shoe is on the other foot, you as a consumer gets nailed in an instant.
Some of these company's recent oversights can in some cases cause huge, HUGE problems for someone. Imagine you are standing in a hospital emergency room having to pay to have a critical family member admitted and your bank is suddenly completely gone, or you have filled your car up and now suddenly you don't have the ability to pay the service station, or your cellphone network is down for two days in your are and you loose your bread and butter money.
It has been suggested on here before that you should have a backup for everything, this is impossible and unreasonable, you can't have a backup car, bank account, cellphone, medical aid, ISP, power provider, etc etc.
It is becoming so common these days, and while I understand that problems arise, the corporations have just taken such an arrogate indifferent stance on it and are not nearly as diligent as they can be because they know nothing will happen.
At the very least, every time they stuff up they have to give you one opportunity back to be late with a payment without penalty or whatever (Basically giving you one opportunity in return to stuff up)
