This used to be a great app. I have used it a few times for various reasons and had little to no wait time for the help which was needed. However the last time I used it, the wait time had turned into having to schedule an appointment, with the only options being at least a week out. The app description states that there is 24/7 access, which seems to have become false. I pay the monthly fee, but I will be canceling my subscription if this is not fixed.