After nearly 11 years of loyal service with one bank, a few frustrations of not being able to access my money when I want (low daily cash limits don’t work for contractors) and the promise of Airmiles and I forgot my loyalty faster than you can say Debit Card.
After my experience this past week/weekend – I am happier than ever that I made the decision I did. End of the month comes, every one knows – it is time to pay bills. So I log on to pay the non-automated bills that have not yet switched over to the new account and think I’ve paid them because I get reference numbers – but see a strange note that also says they didn’t go through.
I decide to leave it for a day – and log on the next day seeing that in fact nothing was paid. So I call the bank, who decides to tell me that my card had been compromised and my account was frozen. They can’t tell me how my card was compromised or when. I know I haven’t actually used that account in a couple of weeks and start thanking my lucky stars that I have two accounts and automated payments like my mortgage are coming out of the new account.
Then I get mad – I didn’t get a single kind of notification – no email, no letter, no phonecall and start to imagine how embarrassing it would have been if I had been in line at the grocery store with a cart full of groceries. I ask the client service rep how to fix this and he explains that I have two hours to get to a pavilion and change my pin, or I will have to go into a kiosk with two pieces of ID and get a whole new bank card.
Well I definitely can’t get in within two hours – so on the weekend off I go to the kiosk (yes this is a non-traditional bank), hand over my pieces of ID and get a new card – still with no information available to me on how or when my card was compromised.
Home I go and decide to log in and check my account, okay I can get in; so I decide to log in to my rewards account – one of the reasons I was loyal to this bank, until they changed the program providing very few points for my every day loyalty – only to get an error message. It tells me the account number can’t be found..
On the phone I get, talk to a CSR who proceeds to tell me – “Oops turns out we didn’t take the hold off your account. Hold on and I will get a manager to do that.” While she’s off doing that – I realize that I only provided my first and last name and bank card number. Previously to find out my card had been compromised – I had to provide a whole host of information, plus all the identification at the kiosk. Great security. The CSR comes back and tells me everything has been sorted out and tells me to have a great day.
Back I go to log into the account – and sure enough – I still can’t. On the phone I get again, to which I am now told I actually have to call the rewards people and the bank has nothing to do with it (wait – why didn’t they tell me that the first time?).
So I call the rewards people who decide to tell me that there could be any number of reasons why I can’t get in to the site – but telling me them probably won’t help any. Say what? What kind of customer service is that? I tell the CSR to humour me and he starts reading off options – to which I stop him after number 2.. And ask if a new card number would be considered a new account (a new account can take 5 business days to be activated or reactivated), to which he replies “Of course.”
Shaking my head, I explain that would then be the reason I am not able to access my account – to which the bell finally goes off and he explains why yes, yes it is. Then he proceeds to tell me if I happen to apply for a credit card with them – I could get a number and get in faster and that would solve all my problems. Right.. nice upsell, great way to service a customer.
Long story short, I still can’t get in and the left hand doesn’t seem to know how to talk to the right hand. I’ve learned that while I can log in to both accounts from the same application, they actually aren’t connected to one another. I’ve also learned my old bank had zero sense to let one of their loyal customers know (even an email – or an automated message in my online message centre would have been great) that something has happened to their card/account. In fact – they let me try to pay my bills all the while sending me mixed messages about whether the bill was actually paid.
Banks need to learn that customers do expect something for their loyalty these days – especially with all the different rewards programs out there. But what they don’t realize is it could be as simple as starting with the best customer service out there – both offline and online. And perhaps letting customers know when something has happened and they won’t be able to access their own hard-earned money.