I don't really want to deal with someone in Delhi when they can't understand that my no-fee bank account isn't supposed to be charged fees. Hence no-fee. Yet wh

I don't really want to deal with someone in Delhi when they can't understand that my no-fee bank account isn't supposed to be charged fees. Hence no-fee. Yet when they finally understand, they tell me 'oh, we can't deal with that, you'll have to go into your local branch'. I really don't want to call 9-1-1 and be told 'oh, we can't deal with that, you'll have to go into your local branch' when I say my grandma is having a stroke.