A human android and the Y wizard: After another twenty minutes you are being transferred again to another person who can't really speak English either but is very nice and is trying his best to help and eventually manages to solve the problem: your account has been hacked, someone managed to steal thousands from your account and another 30 minutes on the phone and you are told that you need to wait another 24 hours for everything to return to normal. You have wasted an hour and forty minutes of your life and adding to this you are blocked from using your bank account for 24 hours.