Hi Katrin. Wenn du keine Problems willst, dann kannst du einfach jemanden in SEA bezahlen (Agenten) und der wird alles fuer dich erledigen. Ja, das kann kosten, aber es geht halt um was dir wichtiger ist...
I had similar experiences of plain disrespectful behavior from KrungSri employees (in several branches all across Thailand). I would say they are the most unfriendly, unprofessional bunch of people I have met in Thailand. Eventually I just had enough with their BS. KBank has been a breeze... should have changed earlier.
Check out the new DTV visa! It's a 5 years tourist visa. Even retired people are preferring this Visa because of the low requirements... Don't listen to people who are saying you should work and this and that bla. If you think, you can live comfortably here as a tourist then go for the DTV.
I don't want to bias with Thai people as every country/ culture has its faults. But comparatively, my experience is that Thais are the most peaceful/ welcoming people I have met in my life. As far as not saying a word, I think that's exactly how a society should be, we don't agree with everyone, but we should be able to respect.
After living in Thailand for 8 years, and practically in all major cities, islands etc., I can assure you that you will feel welcomed and accepted anywhere in Thailand. It's a completely different world than what you are used to in the US. As a culture, Thai people don't care about skin color. However, there is a historic tension going on with neighboring countries. And Indian tourists have gotten a bad rep here.