NO WONDER THE BANKS ARE FAILING. FIRST OF ALL I CANT IMAGINE HOW THEY WILL CONTINUE TO STAY OPEN SINCE THEY HAVE WORTHLESS CUSTOMER SERVICE REPS. LETS JUST SAY WHEN YOU CALL THEIR CUSTOMER SERVICE LINE YOU WILL BE HUNG UP ON, TRANSFERRED, OR JUST PLAIN LIED TO. IT HAPPENS THAT I SPENT FIFTY SEVEN MINUTES ON THE PHONE TRYING TO PAY MY HOME-EQUITY LINE OF CREDIT PAYMENT UNBELIEVABLE I WAS HUNG UP ON, THEN TRANSFERED AND HUNG UP ON AND THEN WHEN I FINALLY GOT TO THE CORRECT PERSON THEY WANTED TO CHARGE ME 15.00 FEE JUST TO MAKE A PAYMENT. I... read full review »