If Regulation E applies and you request the documents the bank relied on when it determined that no error occurred—or that a different error occurred—the bank is supposed to promptly provide copies.
So if you make that request and the bank refuses, ignores you, or gives you something that does not appear to answer the request, do not assume that ends the conversation.
Keep your request. Keep proof of when and how you made it. Keep the bank's response, if there was one.
Then look at what actually happened.
Did the bank say the records do not exist? Did it send you something unrelated? Did it provide only another explanation saying the claim was denied? Did it simply never respond?
Those distinctions can matter.
The larger point is simple:
The bank should not be able to rely on documents to deny your claim and then hide those same documents from you when Regulation E requires it to provide them upon request.
If that is happening, it is worth understanding why.
For more about the right to see what the bank relied on:
https://www.cardozalawcorp.com/blog/what-evidence-did-my-bank-rely-on-to-deny-my-claim-.cfm
