FDIC: Title VI (Consumer Protection) Question

***TLDR: are fraudulent transactions from the same merchant allowed to be ‘lumped’ together, or are they required to be treated separately?***

In short, my bank said:
“Merchant A committed fraud on February 01, and February 10. The effective date for all fraud by Merchant A is considered February 01, because all transactions came from the same merchant.”

I’ve talked to:

Nobody is able to answer whether or not that is accurate so far.
They’re all saying to file a complaint with NCUA, and they’ll figure it out.