And then you go find yourself an ambulance-chaser lawyer and sue their asses off. Doesn't seem to me like it would be hard to find somebody eager to take that case given that it should be pretty easy to point to the rules and make them fork over the money (plus legal costs).

I'm not generally one to favor solving one's problems through legal threats, but that issue is actually the sort of thing that the legal system is supposed to be for, and would be fairly effective at.