Subject: Deep Concern Regarding Incompetent Customer Service and Banking Practices I am beyond frustrated and deeply disappointed with the level of service I’ve received. The customer service is shockingly incompetent. Every time I reach out with a genuine concern or a clear question, I’m met with robotic, scripted responses from representatives who seem completely disconnected from the issue at hand. It’s as if compassion, critical thinking, and actual problem-solving have been stripped from their training entirely. They don’t listen. They don’t help. They merely repeat lines with no real understanding or care for the customer experience. The incompetence shows not only in the way they handle questions—but also in their answers. I’ve been left more confused after speaking with them than before I even called. To make matters worse, your banking habits are completely unacceptable. I caught a transaction in time and canceled it, yet I was told I still need to wait 7 to 15 business days for it to fall off my account. That’s nearly three weeks of my credit being held up, for a transaction I flagged immediately. This makes absolutely no sense and shows a complete disregard for customers and their financial well-being. I am not just a number. I expect better from a financial institution entrusted with my credit abilities . Do better, for the sake of your customers who deserve competent, compassionate, and responsive service. What further compounds the issue is the fact that these concerns are being handled by outsourced representatives who do not reside in the country. This adds an additional layer of disconnect and makes an already frustrating situation feel even more impersonal and unresolved.