[bell]

i've found that when dealing with financial institutions that if you are legitimately having a problem then go to the top........i had a car loan many many years ago which was a little late one month and was called by a "collector" for the bank who proceeded to threaten myself and my step mothers credit (she co-signed) among other insulting comments.......after a few tranfers from his supervisor ect. i ended up on the phone with the vice-president of the bank.
my comment after the explaination was "he had the right to call me if i'm late, but has no right being an ******* and making threats", after put on hold for a few the vice picked up and during an 3 way call the rep apologized then was fired by the vice with me listening.
could've been for show, but taught me the lesson the you need to get someone who can actually make a decision to correct the problem on the phone.

my advice is to get on the phone to the higher-ups, you'll only have a few minutes to sell your problem, so be prepared with your info and timeline of events, and express your frustration "proffesionally".