I guess I will add my "query" to the list in hopes that CEX.IO customer service might see it and expedite a solution:  

Initial bank withdrawal request made on 4 January (transaction ID#5350343949) was "pending" up until 10 January when the status was changed to "sent", and here it is 3 or 4 days later and nothing in my bank account.  The amount was US$17,000 minus their absurd fee of $50.00.  My user name is up113552379 and the ticket number is 624396.  To be fair, my ZEC trade and withdrawal happened almost instantly, my Ether trade was instant though the withdrawal has taken days to appear in my wallet, and my BTC exchange was efficient and fast as well.  Little did I know that getting my fiat money would take the month that it already has!!  

I am aware that CEX.IO has a disclosure statement saying that bank transfers may take from 3 to 30 days...but they also list the United States on their list of "restricted for withdrawals" -- explained on their "limitations and fees" page as limited amounts per withdrawal per account per day or per month -- limits that my own withdrawal is well under.

Besides confusing the terms "restricted" and "limited", I have been told via email and in other ticket responses that "withdrawals to U.S. based accounts are not available" -- which is very different from merely restricted or limited -- and they seem to mean not just bank withdrawals, but Master Cards and Visa Cards as well.  If that is true, and considering the numbers of customers from the United States, it would seem WAY more straightforward to put a CLEAR WARNING to U.S. customers on the HOME PAGE instead of couching it in confusing terms, hiding it among long lists of country names in footnotes, and with arbitrary explanations (i.e. legal issues and changes that "we will surely let you know...").

Also, to be fair, besides credit card withdrawals and bank withdrawals, they permit the use of Crypto Capital accounts for fiat money transfers.  If CEX.IO would have simply cancelled my withdrawal so that my US$ had reappeared in my account I would have used this service and probably had my money by now, but my money has been unavailable to me since 4 January as it has been "pending..." (i.e. stolen).

Re: legal action to take against CEX.IO -- if you look at the Terms of Use page, under paragraph 23. GOVERNING LAW AND DISPUTE RESOLUTION,
it says, "All disputes and controversies arising out of or in connection with this website and these Terms of Use shall be submitted to the United Kingdom Court in London (main office), as the Court of first instance."  Just FYI....

Best Wishes All,

Jeff Danese