Spent over 2 hours on the phone and accomplished nothing. Just tried to simply transfer my mom's account to the family account. After 2 hours they said we can only do that in store. We went to the store for that sole purpose and was told we needed to do it over the phone. It's an incompetency circle jerk where you get sent from one department to another where no one can actually do anything other than give you a different department to contact. Never have I witnessed so much collective incompetence.