Communication system need to be better

I've been using Spot Money for about a year now. The bank has its ups and downs, but the biggest issue this year has been their terrible communication. They don’t have a call center, so we’re forced to rely on that useless chat system—which is completely ineffective in an emergency.

Right now, I can’t access or use my account because it’s been locked since Friday. I haven’t been able to sort it out because there’s no one to call and the "chat" system is basically dead. I have things to do, and this is beyond frustrating.