"2016-03-23T00:00:00"^^ . . "0"^^ . "UBS is the most annoying incopetent organization I have ever encountered.. I had heart surgery, and am on blood thinner. and still they call or email me all the time. I have spoken to them many times to no avail. They are rude and insincere,"^^ . . "1"^^ . . "1"^^ . "0"^^ .