The worst ever I was escorted from the bank for trying to get a home modification & I had an appointment. I've been trying for years & I finally got to actual see a person then was told I've never showed me ever applying for a modification , I've been trying since president Obama been in office. So I'm still not going to give up no matter how many road blocks they put in my way. They take our money use it totaled a vacation but refuse to help us when we need it & the president put the law in place to assist us the people.