Imagine if your mortgage company sent you a $25 gift card, I personally wouldn't care-- I'd just think "thanks, you're obviously overcharging me if you need to redistribute $$ to customers."

Customer Service, you want a custodian that will listen to your needs and be able to help assist you with kindness5.

It’s fun to watch her talk to customers.

Bank of America had already announced that they'll let their customer defer mortgage payments up to 120 days.

In the Carr Fire, my customer was evacuated for 2 weeks and knew they had a home to go back to as they could monitor their production from their solar system so knew the roof was still there.

You might want to add that cost into your assumption. 

A safer assumption is that his tax returns are a mixture of fabrication and BS.The NY Times article from Dec 21 on this is interesting- it states that the IRS found numerous questionable write-offs over many years, but that the cost of investigation was likely higher than the benefits that could be obtained due to the complexity of DJT's returns.

From a customer service perspective they are fantastic and they are constantly working to update their platform.

They have observed thousand of bookings across AirBnB, Booking.com, Expedia, etc and concluded customers are different when you think about price, benefits and fees.

I did some more searching and found that several other folks experienced what I did and came to the same incorrect assumption.