How can I cancel my bank account and move to a new bank with a large outstanding balance and multiple automatic transactions?

I totally get why you'd want to switch banks, especially with poor customer service - it can be really frustrating. Canceling your account and moving to a new bank with a large outstanding balance and multiple automatic transactions can be a bit of a process, but it's definitely doable. I'd recommend starting by opening a new account at your desired bank, and then you can begin the process of transferring your automatic transactions and outstanding balance.

You'll likely need to provide your new bank with some information to set up the automatic transactions for your mortgage and car loan, such as the account numbers and payment amounts. You may also need to provide proof of your income and identification to verify your new account. It's a good idea to call your new bank ahead of time to confirm what specific documents you'll need to bring with you. As for canceling your old account, you can usually do this online or over the phone, but it's a good idea to follow up with a phone call to confirm that everything has been taken care of.

I'd avoid visiting a branch in person if you can, especially since you've already had a poor experience with customer service. If you do need to visit a branch, make sure to bring all the necessary documents and information with you, and be prepared to spend some time there. It's also a good idea to keep an eye on your accounts during the transition to make sure everything is transferring smoothly and that there aren't any unexpected issues.

Overall, it might take a bit of time and effort to switch banks, but it's worth it in the long run if it means you'll have better customer service and a more positive banking experience. Good luck with the switch, and I hope everything goes smoothly for you - you deserve to have a bank that actually helps you, not just puts you on hold all the time.