Product: Money transfer, virtual currency, or money service

I believe that Silvergate Bank is holding cash funds that belong to me, without communicating in any way when they will return my funds. These funds represent my emergency savings. I am a customer of XXXX. XXXX has a XXXX account at Silvergate for US $ holdings of their customers. I withdrew from my cash account balance via the XXXX app, via an ACH transaction of XXXX be sent to my bank account at XXXXXXXX XXXX following the XXXX guidelines, instructions and terms of service on XX/XX/2022, XXXX, days prior to XXXX declaring bankruptcy on XX/XX/XXXX ). At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. Per my account on both the XXXX website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via XXXX support directly that my ACHs ( multiple ) were being sent. I have yet to receive my funds. 
The XXXX terms of service clearly state that my U.S. Dollar account balances would be held for my benefit at U.S. Banks ; Your XXXX Account allows you to hold and transfer US dollars which are held by XXXX for your benefit at U.S. banksTo the extent you hold USD fiat balances ( and such balances are not held in stablecoins or other investments ), those fiat balances are held in customer omnibus accounts at FDIC-insured banks ( Silvergate Bankfor customers of the XXXXas of XX/XX/2022 ) When allowing XXXX to open and maintain an XXXX  account at Silvergate, in order to ensure proper compliance with banking regulations, would Silvergate not have to have in place some form of proper level of oversight and transaction controls? Does Silvergate not have at least some awareness and assurance that XXXX is following proper risk and compliance protocols in regards to the XXXX account? 

Does Silvergate require XXXX  to supply account reconciliation reports, customer ID program reports and transaction monitoring reports to SIlvergate on a regular basis? Assuming they do ( if not, why not? ), wouldnt or shouldnt Silvergate be aware of XXXX customer withdrawals from their XXXX bank account at Silvergate? Wouldnt or shouldnt it be the responsibility of Silvergate to assure that customer ACH requests shown as being processed by XXXX, with the funds debited from their Silvergate XXXX cash accounts ( at least per XXXX  ), actually matches the fund withdrawal requests sent to SIlvergate, as well as the funds actually withdrawn from the account? 

According to XXXX, my account was debited and these ACHs were outside of their control, unable to be canceled, and were being sent by XXXX. This was 3 days before XXXX declared bankruptcy and while withdrawals were fully open and processing. Given the monitoring and oversight that either was being done, or should have been done, shouldnt Silvergate, at the bare minimum, at least have been aware of these ACH withdrawals over the 3 day period while XXXX  withdrawals were open and functioning, prior to bankruptcy? If they were not aware, shouldnt they have been? Shouldnt Silvergate bear, at the very least, some responsibility for the return of these funds to me, their rightful owner per all of the above and the terms of the Silvergate XXXX account the funds were held in?