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These people after years of banking there are holding 4k of my money for a debit refunded by the merchant 15 banking days! That's 3weeks! I didn't even get a product or service and my money has been gone since before Thanksgiving and they claim the can hold the refund till after Chritmas! They pay us 0 interest and refuse to pay your money to you. But they want to loan your money at high interest and demand payments when they say due. One sided game to rip you off.