I recently spent nearly five months working on a home equity line of credit request with Charles Schwab Bank. I worked with James O'Neal. There never really was an application process; questions came one at a time spread out over countless weeks. There were a few return calls but mostly I had to call and ask what was going on and what the next step was. There always was one additional request before approval. In five months I never received an approval. My impression is that they simply didn't want my business and were too dishonest... read full review »