[iamnotlarry]

I don't think so. See, for example, Wells Fargo. It's hard to imagine an institution that has abused their customers in a more ridiculous way and suffered fewer consequences.

People just don't seem to care how many times they get ripped off by WF. They don't move to the competition. They just stay there and take it over and over again. There is absolutely no incentive for banks to improve. Indeed, it is against the interests of big banks to improve the customer experience.