My experience is that if you need to get past the chatbot to talk to a real person, it takes an undisclosed amount of time (minutes, but could be easily towards

My experience is that if you need to get past the chatbot to talk to a real person, it takes an undisclosed amount of time (minutes, but could be easily towards 30minutes), and then if you're not immediately attentive when chat representative responds, you go back as being "out of contact", and need to restart. And it's not like the app gives you a notification or anything if the chat representative comes online. I've never had to do something tricky like e.g. challenge a transaction with them, and I dread that perspective. What I read from people who had that problem is not encouraging.