Came.here to say this because 2004 was when it went drastically downhill.
I only use them now for cheap(er) insurance & family discounts for things but would never use their banking services.
My mother & father in law worked there till retirement & I know quite a few details of their inner workings. My MIL worked in claims department, not on salary, for 30+ years, & retired at $54 an hour in a non supervisor position. As a business model, only makes sense that they dole out their menial customer service tasks to pajeets/non English speakers willing to work for pennies on the dollar.
I guess all customer service has took a downturn, because vast majority does not take pride in work ethic when rewards for it are insubstantial.
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