No response to a simple customer query...
TSB closed my local branch (as have several other banks).
It appears that TSB now want to encourage customers to use the app and the in-app "chat" service, (or online banking).
Their waiting times for 'phone calls are so long as to cause you to give up waiting (which I did).
Tough tomatoes for the elderly (who don't want to or can't use digital) and for vulnerable customers, but that's OK because they probably don't count much for TSB's bottom line profit.
For those who will use digital, there is an in-app chat service but chat implies a two way communication with no great delay between each submission. It would be more honest to call it a one way message service and much frustration would be avoided if the programming of the "chat" immediately allowed a question to be submitted without having to respond to multiple irelevant bot reply options which largely assume the customer is stupid (we have google for that option).
Unfortunately the above appears to be mostly irrelevant as they have not responded to my chat queries either. (2 days so far), despite an auto bot message saying they would reply. On the plus side they did solicit this review as to how well they did, which is ironic as they didn't reply!
I can't or rather won't leave my 'phone on for a lengthy time indefinitely repeating and hoping to catch when someone might (or might not) answer; for one thing it means I can't listen to anything else, and I'm an averagely neurodivergent male which means I can't easily muti-task. When will Banks realise that customers may have other things they want to do which they can't do because of having to concentrate on a recorded message in the hope someone will eventually answer. Are you listening TSB? There is no call back option, and no "you are xth in the queue" message either, why not?
If you insist on providing a chat option the least you could do is to provide a human response when you've promised to do that.
In other respects when everything works as expected I'm 3 stars happy which can be said of any Bank (and maybe they deserve an extra half star for being top of fraud re-imbursement but thankfully that's not something I've personally experienced), .
The TSB app and online banking are i.m.o. nowhere near as good as the originators of their app, (Lloyds/BOS/Halifax), who have all moved on since TSB split and developed a consitently improved app/online experience, but TSB went their own way and consistently dumbed down and worsened them.
Whoever thought of the utterly unethical Spend and Save "Pay a monthly fee of of £3 then use your debit card NO FEWER THAN 20 (yes 20! ) times a month to make £2, should be sacked for customer abuse. I'd like to see some statistics of how many customers have consistently come out £2 in profit more than 6 months in a year, and how many pay the £3 but don't make the £2 for more than 6 in 12 months. My guess is many more of the latter.
I must admit I did briefly consider paying the £3 then finding twenty 1p - 5p items and paying for each with the card just to teach them a lesson.
It's only when things don't go as expected that you get to judge how good an organisation is, (even if it's the expectations which are askew rather than the organisation).
They are so intent on closing branches (and presumably reducing staff?) to reduce costs and increase their profits, (which incidentally were up 29% in 2023), that they appear to have forgotten about the customers.
A key quote from START of their 2023 annual report "TSB remains focused on managing costs"
Well that explains it...
Sadly they aren't alone but that's no excuse.
Where is my reply TSB
Later edit, a reply, unsure if it was from a human, saying they couldn't answer the question in that chat and I should open another chat!
Chat is not fit for purpose. TSB customer service isn't fit for purpose either.
April 15, 2024
Unprompted review