I called because Penfed promised to delete a $15 delay charge to my account. The person who I spoke said that there is no comment that the charge will be deleted and because I was kept saying hello since I did not know she was on the phone, she said to me " it bothers me that you keep saying hello when you know I AM here. No, the charge will not be deleted. When I ask for her name she was no longer on the phone. HERE" and no theDSThe charge will not be deleted User's recommendation: Do not use penfed it you want to be treated with respect.