Although I dont hesitate to complain about GS competency this may be a general problem with the entire banking and loan business not just GS. I'm starting to believe that the employees they are hiring in that line of work can't read or write. I haven't had any loans for several years. Last Jan bought a MH while on the road traveling. I thought it would be really easy to just have payments taken out of our savings account at the same bank where I got the loan. Now 7 months later for this month they finally figured out how to accomplish that task. It was they forgot to take out the payment, or didn't take out enough, or take it out of the wrong account. My wife had to be on the phone every month several times. It was like talking to a rock. We had stopped doing business with that bank because they could't handle the basic mechanics of our business account but left the savings account open. They just happened to have good interest rates.