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Review summary
Lloyds Bank Insurance has room for improvement based on customer feedback. Customers particularly appreciate service and professional, though some mention concerns about customer service and communication.
deplorable treatment by Fraud team, verifying a transaction asking me my mothers milk, at some point the woman on the phone says, may be you are a fraudster, unacceptable treatment of clients, I hang up after 25 min of nonsense, they blocked my account prior to a trip of mine abroad leaving me stranded, went to unblock it after my return, was told they were closing the account in a month, no explanation, never received a letter to that effect, they told me they would resend the letter, two weeks later still no letter!!!! wtf guys, are you a bank or what
Offered me a 0% balance transfer, then suspended my account because I tried to do a balance transfer! I spent 30 minutes on the phone trying to find out what was happening and how to sort it. I now have to find a branch that hasn’t closed down to answer some questions about why I wanted to transfer a balance. I’ll have to take time off work and they just don’t give two sh**s.
Wouldnt help me after i got my money stolen and took 3-6 hours at a time to respond, so even though i started a conversation at 6am it still hadent been sorted by 9pm then they decided to cut me off. And left me on seen constantly for like an hour. Assholes
I've been a customer for 25 plus years the only time I've needed help from them with a fraud case and they gave the fraudsters their money! Avoid lloyds like the plague!
Debit card always being blocked - random - and been left without the ability to pay for things like fuel / food in supermarkets, highly embarrassing and extremely unhelpful when you call them - they say it's your fault and actually pretty rude. Moving Back ASAP.
I recently noticed my overdraft facility had been slashed. I have never used it but was there as a just in case.
I complained and received a phone call from them saying basically tough we can do what we want. She was most put out when I insisted I want a written response.
Over the years Lloyds and others have basically cut service. No regards to the public who bailed them out in 2008. They have closed two branches that I used (Chessington and Surbiton) and it is only a matter of time before they close the branch in Sudbury Suffolk.
What about access for the elderly and disabled. All governments have just let this happen instead of introducing legislation to stop closures happening.
Well done Lloyds. I have had my current account with you for over 50 years. You have lost a long time customer, though I doubt as an organisation you care.
Lloyds
I went through the loan process (on-line), which was agreed in principle. I later decided that I didn’t require as much, so decided to reduce the amount I wanted to borrow. However, the bank then declined my application, stating that I should telephone them - which I did. I checked my credit score with them and I have an excellent score, only just off the maximum. I telephoned them as suggested and went through so many questions, of which I felt some of them were intrusive and irrelevant. Finally the bank employee informed me that my application had been declined, but they were unable to tell me why. The employee told me that I should get a copy of my credit report to try to understand why. I did this and my credit report is clear - so no outstanding debt at all, I have no mortgage or rent either, and I have savings and investments.
To make the matter worse, the following day I went to the bank branch to pay some money in (the branch is 9.5 miles away - a further 5 miles after they closed my local branch). When I got to the teller, I was informed that I should pay the money in via the self-service station, I replied I wanted to pay the money in in-person as I preferred this method. The bank teller then informed me that this time she would not make me go over to the self-service station and deal with my request. I paid the money in and requested a receipt, however, she said that they don’t issue these, that I would have to go online and print it out, or go over to the self-service station and log in and request an account balance! I informed her that I wouldn’t be doing this, and that I felt Lloyds are just making banking more difficult for people. I also told her that I had experienced poor and unsatisfactory service from Lloyds the previous day. She didn’t comment on anything I had said, just used my name and thanked me!
I will be switching my current account from Lloyds as well as my business accounts to move Santander. I have never miss payments with Lloyds and they suddenly decreased my credit limit from 11k to £4.300 which I already used £4.100. Thanks Lloyds for messing my credit score. Not recommended.
All I want to do is close my credit card account. Ended up being pushed down the complaints route (as is usual with banks) but can't get through and nobody will call back. Absolutely hopeless
I would like to provide some feedback regarding my recent experience with the chat service at Lloyds bank. After being a loyal customer for nearly 20 years, I was expecting a much higher level of support. Unfortunately, I found the assistance lacking and not as helpful as I had hoped.
I requested for a survey to share my thoughts, but when I asked about it, I was told to send my feedback through the chat for the 'dedicated team' to review. I’m uncertain if it will reach them, so I will also be posting my feedback on Trustpilot and Google reviews to ensure it is noted.
I hope this feedback helps improve the service moving forward for others but looking at the previous reviews now, I am not sure if anything will change and can see that others have had horrendous experiences as well
One morning, I suddenly found out that my account was closed, no information was announced. Went to the bank asking about that and then received an unacceptable answer from the staff.
"Your account was closed, and we couldn't provide you with the reason"
Wow! Ridiculous!
I believe LLoyds Bank are guilty of being ageist, because they expect people who are elderly, infirm, lack knowledge, lack the funds to buy a printer, and those who simply Do not understand online banking & want PAPER STATEMENTS DELIVERED to their door. Not too much t ask when you think we GIVE our money to them! I no longer have a printer like many ordinary senior living beings & I do not want the expense of buying one. Therefore I want my paper statements instigated as soon as possible from today. All 3 reps of LLoyds have said "Yeah Sure" Well lets see you action the "Yeah" Send thse of us who want apaer billing to our homes. LLoyds bank controlled by Central Bank Do NOT need that little profit.
Transferred back and forth had to recall to go through same process again. Was promised technical glitch would be fixed in 10 days I waited and it wasnt. Wait time is crazy.
Club Lloyds Account. BEWARE.
Beware, Lloyds Customers, that the Club Lloyds Account offers tiered (variable) interest, as I just discovered to my cost.
The information printed on the monthly statement is not the same as on their website. Why bother reading a written monthly statement if it is inaccurate, misleading or ambiguous?
For clarity, interest is paid at 1.5% on balances up to £4000. Interest of 3% is paid on balances up to £5000 BUT ONLY on the balance above £4000. No interest is paid on any balances above £5000. To be clear; NONE.
Should you believe that, if your balance is higher that £4000, you will receive 3% on the entire balance at a 3% interest rate. YOU WON'T.
Imho, this is grossly misleading.
I will be reporting this (discrepancy) to the FCA.
I am not annoyed about my lost interest.
Clearly, the 3% is just an attention grabber; click bait, perhaps. As no-one holds more than £5000 in such an account. I did ! Not tomorrow though.
Or is/was this just, what I believe, is a marketing led deliberate ambiguity to mislead the public ?
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