you must put together for yourself for each individual transaction in question: a detailed transactional timeline, review & understand the processing rules for each organization, pertinent exception rules for each organization, regulatory guidelines applicable to each organization/ transaction.... then form your personal opinon to the Q

there are many many variables that may render each situation :reasonable vs. unreasonable

hope this gets you started (vs. being swayed by or accepting opinion absent all the facts)

-fad
(former Bank Examiner, U.S. Treasury)