Incompetence and lack of service orientation...
EXACTLY...............
I wonder to whom I would write at CX to give feed back?

What I found with all telephone contacts: They turn their phones on at 930am and off at 350PM when the hours of phone service was stated on the recording as 8:50 am to 450pm. They also cut off fax lines at 350pm and do not turn them on until 10:30 am- 11:00am.

They were one week late in processing my Credit card costing me $500 more on the exchange rate. A point I put in my Credit card instructions to them.

I have had better customer service from the US Post office and the IRS!!!