They ask you when you first call to state the reason your calling, for apparently no reason as you aren’t put through the right department. I was on the phone an hour waiting for help I got passed to three different people, I’m in Australia so urged the phone call was costing a fortune and the lady started trying to make chit chat about the COVID situation here. They cancelled my graduate account early due to being inactive for two months. When I put money back in it they still wouldn’t reactive it and said I had to do it online. Once online the internet told me I had to contact the bank. So many circles were being had. Still TWO hours later they can’t put me through to the correct apartment. Awful knowledge on the customer service part although i will say staff are patient and and nice. Although the bill im going to get from my phone company due to their incompetence could pay back my overdraft at this rate. Once I return home I will never bank with Lloyds again. Ruined my credit score cus I didn’t use my bank card for two months.