I work for a major corporation, that uses Vanguard as a company benefit. I believe vanguard leader ship, coaches its workers from the sidelines to induce frustration and confusion to its customers, by employing these What I call hide and seek or playing cat and mouse games. If a customer applies for a loan or wants to change or move money out/away from this company. In my case I believe they went as far as committing perjury. The company Uses very clever psychological manipulation techniques, in order to induce confusion and frustration. Their goal in this, the result of a confused, frustrated customer That will give up. They are holding your money, your well-being, as a hostage