Not trying to sound like I am debating you.
I don't think it was a misinterpretation rather than an inverse of what you said.
The way you worded what you said, you sounded upset that you were the one not able to make the money in interest, because they were, as they are holding your funds in their account as a positive balance/credit.
I would say that even if they held everyone's money it probably wouldn't equate to a whole lot of cash in interest.
Even if you add them all up it is trivial. Lets go big or go home. If they held a whopping 100,000 in cash, at 1 percent in a whole year they would make 1000.00.
Without even thinking to much about it, it has got to be no where near that big of a mistake. So what are they going to actually profit? Next to nothing after they are done dealing with refunds for those who want them.
100 bucks? Probably not after the cost of providing refunds lot by lot out which would outweigh any profits they would make. In fact to you use your credit you may by more.
Not saying it is a perfect answer, but that is my take on the decision.
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