An outside body is involved. There is a response deadline, a public record, and a reply we cannot take back.
They have retained counsel or threatened to. Nothing goes back to them without a manager reading it.
The money is disputed or going back out. The bank sets the clock, not us.
Ordinary complaints. Split by how they arrived, because that decides who answers and how.
By how it arrived: Email 34 · Phone 22 · Outreach — we called them 8 · Text 12 · Voicemail 3 · Social / DM 1 · Not recorded 56