I settled my account they informed me it will take 24 to 48 hours until I can receive the closure of the account letter. More than 48 hours later I have not received my account confirmation letter. Every single person I have spoken to has given different stories, different turnaround times. A call cannot be transferred to a supervisor or manager HOW IS THAT POSSIBLE. I was promised the Supervisor will phone me back. 15 hours later no phone call.