A bunch of morons. I called 4 times to close accounts and they said they did...then they sent a delinquent account letter to my creditors and screwed my credit number. It has wasted so much of time to fix. They actually asked me to write a letter...yes a letter to their credit complaint dept and they would get back to me 30 days...meanwhile my credit dropped 36 points due to their error and now I have to do all this letter writing and hope that they rectify the situation they created. Mind you the delinquent amount was supposedly $29....so watch out people. I would never reccommend this bank to anyone. They are a hot mess.