I have the misfortune of having not one, but two Fidelity accounts. That is the first bit of nonsense dealing with these people. One of my accounts is a 401(k) that I earned, and the other is another 401(k) that I was awarded as part of my divorce settlement QDRO. I understand that these two separate 401(k) accounts cannot be merged, but it's stupid that I can't access them both from a common portal. As it turns out, this stupidity extends to Fidelity internally. If you happen to have more than one account with these idiots, you should make sure that you let them know every time you call, because they will have no way of knowing and may access the wrong one. I set up an automatic withdrawal from the QDRO account over the phone, and they managed that without any stupidity, but once I decided to cancel it, it moved beyond their ability to cope. Evidently, they didn't notice that I had more than one account, and when I requested a cancellation of the monthly withdrawal they assigned the cancellation to the wrong account. How can an automatic withdrawal be cancelled on an account that doesn't have an automatic withdrawal set up? And why would I set up a recurring automatic withdrawal on an account that doesn't have enough money to complete two withdrawals? This was more than they were able/willing to answer. When I received a payment after my first attempt to cancel it, I called to request the cancellation again. I was told that they saw it wasn't canceled, didn't understand how that happened, were terribly sorry, and would take care of it. So why, do we wonder, did I get another payment? It was during my third call in as many months that I finally figured out they weren't accessing the right account. I thought this was pretty clever of me, since I had no idea that they were unable to see all of my account information at one time. I asked that they expedite my request to avoid yet another unwanted withdrawal. Despite the fact that they repeatedly failed to process the cancellation, they were unwilling to expedite my request in order to avoid another withdrawal. The "customer service" manager with whom I spoke was very patient in his explanation as to why I would be put in a queue just like anyone else, as Fidelity did not have any responsibility in this matter. He wanted me to be sure to know that it was incumbent on me to be sufficiently clairvoyant to anticipate the failings of their internal systems and account for that accordingly. He was really very thorough in his explanation of their internal processes, and quite patient while explaining to me that I was no better than anyone else. While I am indeed, no better than anyone else, Fidelity is unwilling to accept responsibility for dropping the ball. They will not make any extra effort to correct their own errors. For that matter, they don't accept the fact that they made an error. It was my responsibility to know that they weren't accessing the right account. Period.