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As someone who has been through this .... Fund protection mode is to insure no one (other than the rightful owner) gets access to those funds.
It is protection for you that someone could not pretend to be you and attempt to withdraw the funds. Pending proof of you identification the funds are locked.
I know that seems to be adding "insult to injury" in these circumstances but, to me, once again it shows E-Pass is trying to protect your money and eventually all will be released.
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