I started out in early April to make numerous phone calls and secure emails regarding excessive contributions. I was given many different answers in terms of forms and return amounts. Each time it was a long hold on the phone with repeated requests. Then, they claimed they never received my ECF forms in the postal mail, so I had to attach in the secure e-mails...so many dramas and much work for customers. Basically, they have failed to meet requests all the way. I finally received two contribution checks, but no interests included still. Then they asked me to call investment department again, the whole thing is going like circles. I made 3 complaints about this kind of service and had their supervisors to call me. I have not heard anything back. I do not know why they put all the burden on customers to solve their incompetence. I am so sick and tired of contacting them at this point.