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Got a letter in the mail from my bank today.

Lost_in_the_HTTP

Lost_in_the_HTTP

Lifer
Or should I say 'former' bank. I closed the account a few weeks ago.

The letter was addressing a complaint I made well over a month ago, maybe two months. And it didn't really even address my issue. It sort of glossed over it at best.

A couple of years ago, something called TIAA took over EverBank who had taken over NetBank quite some years back. Both of those were pretty good. If I sent a message via their internal 'secure' messaging system, I'd almost always get an accurate, on-point reply the same day, often within an hour or so. Then this TIAA mess took over and it all went down the tubes. It became normal for them to not answer replies within the console for days, if at all. Then, two weeks or more later, I'd get a letter like this in the mail - - a completely off-point and unresponsive letter. Often little more than 'we've received your message and have forwarded it to the appropriate office', after which I'd never hear anything further.

This letter doesn't even address the account closure about a month ago.

If you've never heard of TIAA, all the better for you.
 
At least your bank didn't close your account and claim you never had an account. Then accuses you off trying to scam them. Then later finally hinted that a former employee stole your money but won't share any info with you or the police for a police report. Not fun. Not fun.
 
Customer service these days is basically non existent. It's all bots. If your request is slightly different than a standard request they basically can't help you or it ends up taking a very long time.
 
Red Squirrel said:
Customer service these days is basically non existent. It's all bots. If your request is slightly different than a standard request they basically can't help you or it ends up taking a very long time.
Click to expand...
Or maybe just do business with companies that aren't like this? You've got such a cynical worldview all the time, it's a wonder you get by.

The only bank I have that has offshored support is Chase, but I generally get good service from them with my business accounts and my CSR card if I need to pull some strings, and I always have the option to go into a branch if I really need to hammer something out.

Discover still on-shores all their support and have been great for the years I've used them - so glad I switched to a fully remote bank years ago. My other bank is a credit union and I always get excellent support from them.

It doesn't help that we've all built up this need for immediate gratification. It is very rare you need a response immediately, but everyone's gotten used to Amazon Prime this, immediate delivery that. Is a three day response to a message going to kill you?
 
Three days, not really. Three weeks or more, and by mail, and not answering the question? You tell me.

Chase is my primary now and they seem OK, so far. But the nearest branch is close to 100 miles away in an area I have no other reason to go to.

USAA is second, and they have a whole host of problems of their own.


So far, any local bank I've tried has been run by complete imbeciles.
 
What was your complaint? I've never made one so I'm curious what others are having difficulty with.

I can't remember the last time I went to a banking branch. Maybe when I bought my house over 9 years ago and needed a cashier's check for closing. This was a BoA, and the branch has since been closed for a few years.

Same for support - I've had my HSBC credit card hacked a couple of times. Only once I had to call in and report charges, and they immediately cancelled it and sent me a new one.
 
Lost_in_the_HTTP said:
Three days, not really. Three weeks or more, and by mail, and not answering the question? You tell me.

Chase is my primary now and they seem OK, so far. But the nearest branch is close to 100 miles away in an area I have no other reason to go to.

USAA is second, and they have a whole host of problems of their own.


So far, any local bank I've tried has been run by complete imbeciles.
Click to expand...
Oh your situation I'm not faulting you for - three weeks is garbage. It's akin to my situation for paternity leave, where the company (Hartford) sat on the request for SIX WEEKS and then refused the coverage with no reason. At that point I had already taken the six weeks anyways and worked it out with my boss.
 
deadlyapp said:
Or maybe just do business with companies that aren't like this? You've got such a cynical worldview all the time, it's a wonder you get by.
Click to expand...

That's not always an option. And it's not like you'll know this until after you actually need support. Sales people will always be good and give a good impression.

My current bank is a local credit union so they actually have local people working and answering the phone, but big banks/companies rarely do. It's usually outsourced and they're reading scripts or they just use bots.

If you want fun watch the Linus Tech Tips series where they test prebuilt computer companies ability to provide support. Pretty much all of them were garbage. This is rampant in pretty much all industries now days.
 
I don't think it's anything new. Customer service has always been terrible; there have been jokes about being put on hold for hours since the 80s.
 
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