To reach a live speaking human, yell AGENT three times into the phone. The teleprompter will try to get you to input your information, repeatedly, but that only leads to another list of services which do not include speaking to an actual person. So just yell AGENT repeatedly until the teleprompter finally directs you to a human being.
They will also remove the $25 late fee if it's your first time calling and you've somehow managed to put in the incorrect account number for your bank thus leading to said late fee.
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