Total incompetence is an understatement. Last year I moved, I called to change my address. Months later its tax time... I find out im supposed to recieve a 1095 form it never came. I called in they went to verify my info and we found they never changed the address in the system, no biggy..he updated my address and assures me my 1095 was on its way. IT NEVER COMES... I call again. .. on hold FOREVER, she apologizes for the prior CONSULTANT'S (plural ) incompetence and assures me its on the way. ....mind you I can not file my taxes without this freaking form. IT NEVER COMES....I'm so frustrated at this point I could blow a gasket. The deadline to file my taxes is a week away. I call in AGAIN.... they appoligize again for the "inconvenience " I told them i simply do not trust that they will mail it to me... and that it is now almost too late to please fax or email it to me. She says they dont have the ability to fax or email (yeah) the only option was to send it through the mail. I asked for a supervisor. .. they put Sharon on the phone... even though she was very apologetic she also refused to help me. The customer service is a JOKE. So very irresponsible and totally oblivious to the issues they cause the people they supposedly "serve". They should just fire everyone and start all over.