So now the way I understand it, your one and only complaint is that Fidelity doesn't have 24/7/365 coverage in the back office?
So I guess my question to you is what financial institution does have this? Or any institution? Even a hospital ER will be open 24/7/365 but may not have various departments with around the clock coverage.
Fidelity answers the phone 24/7/365 which is more than you can say for many other firms. They can usually answer basic questions in the middle of the night, but maybe not resolve complicated issues. Doesn't seem unreasonable. I understand your frustration and sympathize with your dilemma, but I think you should probably cut them just a bit more slack. JMHO
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