I have been a client of Charles Schwab since the early 1980s; little good it does me. All that stuff about "Talk to Chuck" is pure B.S. I could write a litany of complaints here but will focus on the recent closing of Laudus Funds. Although Schwab has a very close relationship with this fund family, when Laudus sent out a one-page notice by regular mail with information about closing four funds due to a coding error with no further explanation, I received absolutely nothing by any means -- mail, email, phone -- no alerts whatsoever. I believe this is an example of fiduciary irresponsibility and certainly a lack of customer service and regard for clients. I happened to own a small amount of one of the funds to be closed. The funds were closed to new investment and activity as of April 30th. They will be liquidated as of July 31, 2010. I want to know why Schwab could not bother to communicate with clients holding any of these funds and make a full explanation. Looking around on the Schwab website and at various email messages sent to me, I discovered that Schwab is pointedly promoting other Laudus funds with no comment even on the funds to be closed. I contacted the person who became my representative most recently. That was after complete disappointment with the local representatives who were assigned to me. I have enough investments held in Schwab to warrant some attention and yet receive none. I was also very disappointed with the Schwab Visa Card that I finally was able to obtain last fall. That service was abysmal. It looks like they have changed, perhaps improved slightly now. I want to make a formal complaint to Schwab regarding the lack of fiduciary responsibility in the Laudus Funds case. The representative called me promptly and said his boss would soon call me. Another major disappointment. Tammy (last name reluctantly given but I could not write it down) is apparently the Phoenix branch manager. OHG. Not only does she need basic communication skills and telephone manners 101, she said she had called and left a message when she obviously had not. Why lie? She only could give me an additional phone number anyway. And there we go--the endless pass the buck system and Schwab uses to discourage client communication. Why do I not switch? I gave another firm, Fidelity a chance last summer. They failed also. I guess that they have too many clients to want any more. And to switch my accounts to another place simply makes things difficult for me. It is a huge burden to make that complete switch. All the previous records would be closed to me, etc. Charles Schwab, if you are listening at all and you want your legacy to be positive, pay some attention to customer service. There are some good people working for you but there are also some real duds. I will follow the pass the buck telephone line and then write again with an update.