If I have the time and the surveys cover areas that I'm intimately involved in I do like to participate and give my opinions. Bank of America (or Nations at the time) called to do a survey. Boy did I have some opinions. Anyway the questions were mundane "How would you rate on a scale on 1-5 the dress of the employees, how would you rate the appearance of the bank's environment, etc. Finally when she finished I commented, "Wow, based on you questions alone Nations looks fantastic but I have a lot of problems with them. Is there somewhere on your questionnaire that I can make reservations about my answers. She most certainly agreed and said "Of course, what are your concerns?". Well, a dam broke forth. For about 6 months our statements were being sent late and we were getting late fees as a result, our prepaid online accounts weren't being taken care of, etc., etc, etc, our credit cards were being denied while we travelled internationally though we had contacted them and the credit card company, I summed it up by saying if you actually asked questions about the heart of how well they are at delivering services-wide they are doing a poor job. She said that she was making note of everything and that it would be passed on to a supervisor. Oh, well, at least I got to vent.......we finally transferred out overseas account to another credit card......