I was unable to get help re:online banking log in, customer representatives seem to lack the will, knowledge or skill to resolve issues. I also put into question their ability to understand issues. On one occasion when a customer service representative found out they cannot to help they asked my to call again someone else, did not offer to transfer or escalate! On another occasion when they fond they can not help I was told that i did not pass security, despite giving all info correctly and passing through it at the beginning of the call, only to find out that i did pass it after i've requested to raise a formal complaint - totally random!