The issue focused on a Canadian friend of mine who had an issue with his bank but it was not with his bank or his credit card companies or anything like that. He had a Canadian bank who has a contact number in the US and he called to tell them his issue and it was quickly resolved to his satisfaction. But he would have had to call to see if his bank had a record of that account and it would have taken an additional 10 days to get a copy of the account with the Canadian bank that he had been