They don't have a CRM that keeps records of their customer transactions, and even if I have been to their head office more than twenty ties, they still want me to elucidate the entire history of my complaint and they ask me for the same documents . Customer services team members are not calibrated. If a diferent team member handle your concern, he will ask for a different set of requirement from previous perso. And evernthough you have already submitted those documents, chaces are he will still ask it. Their entire processing system is too slow, and when they cannot provide us a correct procedure at an alloted time, they will penalize their customer for something out of their inaction. Their billing system is too messed up, we have been charged twice(as of this writing) and may perhaps will be double charged in the future.