I work in a call center...handling escalated issues...and explaining to customers for the umpteenth time why they were assessed this fee...or why the payments were applied this way....and basically trying to explain to lawyers doctors and accountants they are not as smart as they think they are....

Mickey, anyone who works for a bank or any other such institution has to deal with lies, stupidity and incompetence on a daily basis....that notice you found is very understandable.