Under Regulation E, if the bank determines that no error occurred—or that a different error occurred—you can request copies of the documents the bank relied on in making its determination.
That wording matters.
This particular right does not necessarily mean you are entitled to every document the bank possesses, every internal communication, or every piece of information somebody at the bank may have looked at.
The important question is:
What did the bank actually rely on when it decided to deny your claim?
Maybe it relied on transaction records. Maybe it relied on information about a device, an IP address, authentication, a debit-card chip, or some other piece of technology. What matters is identifying the documents that actually supported the bank's decision.
And if those records contain codes or machine-readable information, the bank is supposed to provide the requested documents in an understandable form.
The goal is not to collect a giant pile of banking records for the sake of having them.
The goal is to understand why the bank believes you are wrong.
For more:
https://www.cardozalawcorp.com/blog/what-evidence-did-my-bank-rely-on-to-deny-my-claim-.cfm
