Every time I called I was able to talk to a repres...

Every time I called I was able to talk to a representative within a reasonable amount of time without much hassle. They were always nice, helpful and professional. They answered my questions and after verifying my identity (which took a few days but I appreciate this level of security) they promptly sent over my disclosure. I was able to identify the issue, correct it with the corresponding bank, now all is well. All in all, a smooth, reasonable process. Stop blaming these people for your bad spending habits.