Today I spent 1 hour an forty minutes on the phone with two customer representative who were trying to restore on-line access to my account. Earlier in the day I had spent about 40 minutes on the phone with another customer service rep, who had erroneously claimed he fixed the problem. After all of this, they said the only people who could help me had gone home for the day and to call back. (Most of the time I spent on the phone with customer service the people who can allegedly help me were there).