Yes, not surprising at all really. I live in Buriram province and to be fair to the bank staff who are normally spot on, it's not their fault that they have been given no education/training and I sympathise with them. As a side note, I have also sent an email to the Krungthai contact centre, explaining the situation and asking if there is a form I can complete to satisfy their requirements and thus take my local office out of the equation. This was the case recently when the Kasikorn bank sent forms for customers to complete re: FATCA/CRS