I totally agree CS, customer service does need improvement as well as making banking a bit more efficient by clarifying practises and such is a must but I cannot sympathize with people complaining that the bank is hassling them because they are behind in payments or because they fail to read loan terms and such and are then surprised when the bank implements what was signed in their loan contract.

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"Diplomacy is the art of saying 'Nice doggie' until you can find a rock - Will Rogers"