You guys sound lucky. Almost everytime I call, even for a simple question, I am put on hold, then transferred to someone else, put on hold...this usually happens four or five times in one call. To get a simple thing done usually takes over an hour, everytime.
The problem is that they have added two million new members in the last two years. Their staff are now poorly trained and usually don't know what they are doing.
In the last year they have made errors on all four of my accounts. I'm disgusted.
Meanwhile, I am about to lose my home because of their mistakes. Beware!