This month when I paid one of my many student loans, I checked my bank statement and saw my payment was refunded and then charged again. I called CitiBank to make sure I didn't make a mistake, but nowhere on the phone tree was an option to speak with a PERSON, there was no way to inquire about a previous payment. I called all the 1-800 numbers and got the same phone tree. So my co-worker said "try pounding all the numbers on your phone..." I did, I pounded my fist on my phone, and it transfered me to actual customer service people!