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on 11/25/19I actually didn't have any issues with getting a representative on the phone either time I called them. It was the 1 hour+ wait time on hold that was extremely aggravating for the exchange. The 2nd time I called, I was helped very quickly, and the 2nd representative was way more professional and polite, compared to the man and woman I dealt with on the first call... please hold... please hold... please hold...