I hear anecdotally about these "levels" and it's an obvious strategy, but in my experience, I usually get paid back without escalation (that's not to say they a

I hear anecdotally about these "levels" and it's an obvious strategy, but in my experience, I usually get paid back without escalation (that's not to say they aren't escalating the matter discretely on their side w/o passing me up a level). The only obvious way they might be masking it is if I have to call back another day but that doesn't seem like I get through to anyone differently than if I'd just called up (thus I suspect it would be level 1)