I appear to be going against the grain with Lloyds. I have always found them to be very good and helpful. During the pandemic, it was difficult to get hold of them, but so was everyone else. I have been with them for well over ten years and can only say good things. We got into financial difficulty, which was the first time ever and very stressful but Lloyds were really great. I have always found the online app and phone app to work well, getting through can sometimes be challenging but I always phone early, after 9am and before 10am. I can only speak as I find and the above is just that.

8I have about £8000 deposited with them. I have a credit card with them, that I pay off, in full, every month. Last Autumn, I had a text from them, telling me that they were worried I might struggle to pay off my credit card and that the limit was to be reduced to £500 with immediate effect. There are a few points here:- 1. With £8000 deposited with them, how would I struggle to pay off £2300 (The most I ever paid off was about £1200)? Here we have innumeracy. 2. As I had paid the card off, in full and on time, every month, what gave them cause for alarm? 3. Since this reduction was without warning, how did they know I wasn’t abroad and reliant upon the original limit? I’d call this ill mannered. When I queried it, I was given some "Male chicken" (Sorry Review Centre's PC brigade won't allow the shortened format)and bull story about credit reference information. I don’t owe anyone anything; even my mortgage has been paid off. I told them I would close my accounts unless the matter was dealt with properly. I followed this up with a letter of complaint, to which I am yet to receive a reply. Here again we have ill mannered. I know a bit about banking and can say that whereas, at one time, your local branch manager would be an Associate of the Chartered Institute of Bankers, today most of them wouldn’t even know what that was, let alone have passed any of the exams necessary to become an ACIB. Today they rely on flow charts (Possibly computerised ones) to make decisions and one of the assumptions made is that if you have no debt, it’s because nobody will lend to you. They only lend, willingly, to those with a borrowing history, irrespective of whether a person is already over committed. That’s what helps to cause credit crunches. My savings account was tied up for a year in May of last year, so that is about to expire. It will be coming out from there!! My home insurance policy with them is not going to be renewed. I don’t know that any of the banks are any good, so perhaps I’ll put the savings into NSC and open a current account somewhere else, just to pay my bills. It’s that or put it in the wall safe. I have a business account and if Lloyds had been competent, I would have transferred that to them. There is more in that, than in my personal account, so this little act of idiocy hasn’t been one from which Lloyds Bank will come out ahead. I think the Ombudsman only exists to give the illusion of scrutiny. If they had teeth, most of our so called banks would be wound up and the spivs, who run them, would be in jail.

When I opened my bank account I specifically said that I don't want any over draft facilities. I have since then moved from the UK to the USA and have not kept an eye on the balance of the account. I made an order online using my Lloyds account, assuming that I had cash in there, the payment went through no problemo. 3 months later I check the account to find that on that payment (which was a birthday Cake for my gran- the name on the payment was CAKES) I had overdrawn by 47.25! I was shocked to find my account in debt as I was under the impression that that wasn't possible and I had not received any communication from the bank (I was not at the address specified and my mobile number had changed, but surely when they realized this they should have tried email?- they cannot say that they exhausted all communication channels! and even so, if they couldn't reach me, why did they allow the transaction to go through?). So, I phoned Lloyds and asked who allowed the transaction to go though and the response was comical, "Well Miss, we never know whether its an emergency so we let it go through a reviewing process and then accept or decline if we think its an emergency or not". Surely "CAKES" doesn't sound like an emergency? Since going into "Unplanned Over Draft" of 47.25 pounds, I have now had to pay 250.59 pounds with all the "fees" that come along with unplanned over draft. Needless to say I have pulled the plug with Lloyds and shall not recommend them to anyone as I would never want someone who isn't able to pay off the debt, to get into a situation like this. Lloyds, you are a company that is willingly helping our country and people run into Debt that is beyond reparable. LLoyds, I'm disappointed and disgusted

Local branch with one assistant busy, I waited patiently to be able to pay in a cheque. Young man behind counter was free but came out only after a few minutes, holding clipboard. Tried to direct me to writing out all my details on a form regarding the cheque, but I insisted I would rather be served by a person. He stood and discussed before offering to do my transaction. It took him seconds whereas writing out the form would have taken me longer whilst he could have sat and done nothing. No queue followed me. After banking 42 years with Lloyds I do wonder at the service of a bank clerk who was doing nothing when I arrived but would rather I stood and write out a form, put it in an envelope and left him earning his salary by just watching...

We are in a sector of industry that Lloyds Bank (according to their published information) supports and has a specialist division with expert staff. having banked with them for some time we were amazed to find out that this division and its staff apparently doesn't do business in the sector that they are supposed to promote. We will have to take our business elsewhere apparently. We are fully supported by the UK Govt with all approvals and licences etc. the bank is also supported by UK Govt. There seems to be a huge anomaly.

iv been a customer of Lloyds for about 10 years and iv always been happy and satisfied with the customer service. they always provide a best service they can offer and when there has been an issue, they deal with it in the most helpful and professional mannor. I have recently just been into my local branch in Brighton on North street and i wanted to give a special mention to onte of the employees there, he was the most polite and helpful person that served me with such a warming smile as he apologised for my wait in the que. all the staff are lovely and i would certainly recommend my friends to join Lloyds bank.

I been with bank 24years Lloyds banking group. Their made so many mistakes on my account then I lost my new job because of them.customer service was bad composition is ant been sorted plus online banking people I ride and their lie so much I'm switching banks had nuff

Been a costumer for the last 30 years and never had an issue. After opening a club saving account, I couldn't see how to setup a standing order to that account as there was no option on drop down menu. So decided to reach out to LLoyds helpful customer service. The first advisor was OK but couldn't help so transferred me to the internet banking section. Not only I found the second advisor unhelpful, he was also arrogant and rude. Thanks to this adviser, after 30 years being with Lloyds I am going to switch to another bank.

My card got taken by a hole in the wall so I went in asked for a new one and that was all fine I asked for money out of my account but I was rejected called there so called customer service and got rejected there I was told it would come in 5 working days 2 and a bit weeks later finally got it I've had no money for this period of time going and coming from work everyday was nearly impossible so finally have my card think it's all good try to finally buy stuff and card is blocked so now have to wait for my id to come back till I can unblock the card as as you can tell by melt review there hole in the walls won't let me unblock it the stars I put for lloyds are the lowest it will go sorry

I have been a client for 5 years now and his bank is an utter disappoinment, this is why I decided to open my business account wih HSBC (much easier, much better). You can never call lloyds, they leave you hanging for hours! Its impossible!

They suspended my account although I have informed them that I am going to be abroad. They never replied my emails. Had to call long distance, 15 min wasn't enough to solve the problem...

Had a fraudulent transaction on my account of £79.00 . I called to report this and was met with processes and had to then call the company who has taken the transaction! Very unhelpful of lloyds bank, really looking at changing my account! Had the cheek to then refund me my phone call of £2 as a resolution to my complaint! I actually thought that was an insult!

£220 pounds went missing from my bank account and the bank blamed me and my family, did not receive any compensation! They took money out of my bank! The bank did not help at all! I know I didn't take any money out as I was in a different town and had the card with me! How could I have possibly taken money out from a different town!

On 7th May 2015 rang customer service about helping me out with a donation to buy medical equipment for HDU at Harefield Hospital as a thank you present. The reason is that Sept 2014 had to have mechanical heart valve operation as I would not be here now. Customer service did promise I would get a call within days, but the promise was broken with no reply at all. They were quite happy to be rescued with taxpayers money and the boss get multi-million pound wage packet. So bought a mobile blood pressure monitor for the unit at Harefield with my own money costing over £400 pounds. Customer service treated me well.

I moved a couple of years ago to the UK and as everyone I needed a bank account to sort out my finances. I decided to bank with Lloyds (don't ask me why!) and everything went well for the first TWO month in my third month there has been a fraudulent transaction on my account and my account was blocked for several weeks with still funds on the account! I decided to go with another bank and opened a new account with them and wrote to Lloyds, that I would like to close my accounts (current and saving) and that they should transfer the money to my new bank! I thought everything was done and I don't need to worry about it anymore. Now four years later, I realised ( credit report) that my account is still active and open, when I rang them, I was told, due to the funds on your account, they couldn't close the account and that they are not able to send me infomation to my new address, as I don't have telephone banking. I went this morning to talk the branch assistant and was told that I have to call a special number to get infomation on the bank, and that she thinks it should be closed?! I will make the call and see what's going on, but this bank and it's ridiculous customer service, can through the calmest out of mind.

I moved a couple of years ago to the UK and as everyone I needed a bank account to sort out my finances. I decided to bank with Lloyds (don't ask me why!) and everything went well for the first TWO month in my third month there has been a fraudulent transaction on my account and my account was blocked for several weeks with still funds on the account! I decided to go with another bank and opened a new account with them and wrote to Lloyds, that I would like to close my accounts (current and saving) and that they should transfer the money to my new bank! I thought everything was done and I don't need to worry about it anymore. Now four years later, I realised ( credit report) that my account is still active and open, when I rang them, I was told, due to the funds on your account, they couldn't close the account and that they are not able to send me infomation to my new address, as I don't have telephone banking. I went this morning to talk the branch assistant and was told that I have to call a special number to get infomation on the bank, and that she thinks it should be closed?! I will make the call and see what's going on, but this bank and it's ridiculous customer service, can through the calmest out of mind.