Bureaucratic, slow, chaotic, rigid, dysfunctional ...

Bureaucratic, slow, chaotic, rigid, dysfunctional online tool
What is most negative for me is that there are no personal advisors. One hand does not know (and does not understand) what the other is doing. What the one reimburses is not approved by the next. The online tool is prone to errors, you always need physical mail to activate it (eg when changing phone numbers for a tan, which you still need to open attachments in your account will contact you even though the stay abroad was registered, letters and inquiries are simply ignored.