Incompetence In Seemingly Basic Services

I have been a customer of Wachovia for about 6 years now. Over those years have slowly phased out my use of the bank because of the many problems I have experienced with them. When my card was stolen, Wachovia took the liberty of sending my new card to an old address that I changed 4 years ago. I have long been receiving statements at my new address. When I called to complain that I was without my card for 3 weeks, they shipped a new card to me via fedex. They then took the liberty of changing my pin number. As a result I am still unable to use the card until I take time off work to go to the bank and select a new pin number. But this incident is only the beginning of their problems. Any time I use Wachovia's bill pay system, it takes at least 2 days to go through. As a result I have received many late fees when I forgot that there is a weekend coming up since those are not business days. This means if you have a payment due on a Monday, to be safe you need to submit the billpay request by Wednesday/ Thursday. In bank of America, my payments go through the next day. We are all busy people. Who has time to be calculating when you need to submit your payments for them to go through. It is incompetent for a bank billpay service to have such a delay. There is a reason they went bankrupt back in the day.