They tell you what exactly is on your screen. It is a foreign department like most customer service but they aren't able to do anything you can't do yourself online. Complete waste of time. Options for customer service include sending them an email however when you click that link, it brings you back to your account overview to figure out the problem itself. They transfer you around to different departments, customer service transferred me to fraud, fraud said they didn't handle so they transferred to customer service, customer service gave me the same run around......Still no fix to this and cannot get ahold of anyone that knows what they are talking about