ADP

Employer changed from Vanguard to ADP... I thought Vanguard was bad.
Had a 401k issue, waited on hold for 45m. Explained the issue to the rep and was hung up on.

Their website is a headache to use. Even worse than Vanguards, which is surprising.

NEVER USE ADP. If you close your account with them they will keep charging you for life. They had charged me about $162.28 a month for 6 months straight and I was not doing any payroll because our company went out of business. They were supposed to charge only $55 every time we submit the payroll but since we haven't submitted any since March 2015, they kept charging us. We called them and requested to close our account and they still kept charging our company. Not only they were charging us the wrong amount, they did not even have the authorization to keep charging us any longer, and yet they still do.

We called them to rectify the charges, they kept taking us into circles and gave us several promises to refund us our money, but what they fooled us and by the time we decided to dispute the charges it was too late to do so due to some stupid federal bank laws. So overall we have lost more than a $1000 in funds altogether because they caused our account to go into the negative for charges we were not expecting and we got hit heavily with bank fees as well.

Our advise is not to trust ADP Payroll. They have a lot of hidden fees, they are immoral, and simply thieves in our book.