Lloyds Bank Reviews

Name: Lloyds Bank
Rating: 2.61

2.6 Rating 1,113 Reviews

40 %

of reviewers recommend Lloyds Bank

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2.6

Based on 1,113 reviews

Shipping & Delivery
Delivery Methods	Postal Service
Customer Service
Communication Channels	Telephone, Email, Live Chat
Queries Resolved In	Over A Week

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Lloyds Bank 5 star review on 16th September 2024

TALLY YT

Lloyds Bank 1 star review on 20th May 2024

Anonymous

Lloyds Bank 5 star review on 17th March 2024

Rebecca Rebecca Miller

Lloyds Bank 1 star review on 14th March 2023

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Really bad customer service, not helpful at all, the waiting time when you call are disgraceful.”

Helpful Report

Posted 3 years ago

“We have been customers of Lloyds for over 25 years. When we came to finally pay off our mortgage we were advised to use the on-line payment account that was previously with Lloyds Bank which we did. We subsequently received a letter telling us that the mortgage sub account was closed and therefore our final settlement amount needed to be returned so that we could pay the mortgage off using a different account. So the advice we had been given was incorrect. We were advised that the funds would be returned to us within 6 working days of raising a complaint so that it could be paid into the other account. Still no return of the funds about this and NEITHER Lloyds Bank or Cheltenham & Gloucester seem to know where our money is. Both organisations are blaming one another. We have been left without our funds, mortgage balance still outstanding and Lloyds Banks and Cheltenham & Gloucester seemingly unable to help us. In addition, every time we call either company we are literally on-hold for 45 minutes before anyone answers. All this during a pandemic and at a time when Lloyds Bank is running glossy adverts claiming to be "by your side". Our complaint has not been resolved to our satisfaction and we will be raising this with the Financial Ombudsman. Appalling service.”

Helpful Report

Posted 3 years ago

“They used to be good, but now they're rubbish. In order to access an online bank account, on top of two-factor authentication, customers are now required to provide a third temporary password over the phone. This password inflation has created a customer-unfriendly system. If that much user input is now required, in order to view an account, then online banking is broken. How many passwords will people be required to input in another five or ten years? Half a dozen? A dozen? Who's going to remember that series of passwords? On top of that, they've also removed my (and many others') local bank branch, in the last few months. A return to paper banking is the way forward, bankbook included, with an institution that is still local. Lloyds now provide a zero-star service. They're only getting one star because I can't give any lower.”

Helpful Report

Posted 3 years ago

“Purchased building and content insurance. Policy was auto-renewed at double the price of the original premium. When it came to renew again, the premium had increase by a further 100%. a 200% increase in 2 years. No claims made, or changes in policy. No explanation why the increase happened or interest in keeping a customer. Would not recommend.”

Helpful Report

Posted 3 years ago

“Poor customer service. Distressed wthout credit card for ten days while talking to a useless machine.”

Helpful Report

Posted 3 years ago

“The worst bank in the world? Noooo in the Universe. Despicable customer service. I stayed on the line for 30 minutes only to hear that she had to transfer my call to another department. I waited another 60 minutes and the ne one told me that he had to transfer my call again where i waited for another 30 minutes. At the end they just closed down the phone because they didnt know how to solve my issue. I hope this bank closes down to the last bank. I wish them the worst.”

Helpful Report

Posted 3 years ago

“Tried to change to mobile banking as per a brochure enclosed in my recent statement. The registration form obviously requires DOB etc you have to trawl through the years month by month a chore!! You then get to Sort Code Account number, then it doesn't recognise your account details are all no such account exists. Call this number please you call the number and Covid Excuse numero uno kicks in basically don't bother hanging on unless??????? We would like you to take up Internet/ mobile banking so we can send statement electronically to save the planet but app not fit for purpose.. Useless outfit paper banking for me then, cut down another tree please lloyds. Frustration personified.”

Helpful Report

Posted 3 years ago

“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.”

Helpful Report

Posted 3 years ago

“DO NOT USE Lloyds Bank Car Insurance. Just told me they are to charge £55 cancellation fee! Appalling - seems looking at reviews many others seem to be having bad experience with them too. Will not go near ever again.”

Helpful Report

Posted 3 years ago

“Sincerely recommend you DON'T USE LLOYDS BANK!! 1. Wait for a month after opened the account to get the card. The reason was the staffs forgot to order the card. 2.Really bad service. The supporters on the phone are really impatient, hang up the phone when the signal is not googd or when they don't hear you clearly. And the staffs in the brunch are really unhelpful, always ask customers to wait without giving help. 3. Locked my account without any reason after I transformed money from another bank. 4. Sent me the invalid activation code for twice. Overall, if you don't what any trouble, stay away from lloyds bank!”

Helpful Report

Posted 3 years ago

“Worst bank ever! Waited 50mins to speak to an advisor to be told to call back in the morning and the phone slammed down! I didn’t even want to call them in the first place as they always provide poor customer service and never help but I did and then this.... AGAIN... No suppress there. Just because they don’t want to fill a “form out” My partner never has this problem with his bank! STAY AWAY!!!”

Helpful Report

Posted 3 years ago

“Worst bank in the world, for some reason was declined for a BBL being self employed with no income. They don’t deserve one star”

Helpful Report

Posted 3 years ago

“My 11 year old daughter wanted to open a bank account and Lloyds was our closest branch (during lockdown 1). We were advised online that we must phone for a telephone appointment to set up the account. We did so and were told to wait for a phone call from the branch to set up the account - none ever came. Called again, again told to wait for a call- no joy. Called and was told to visit branch without appointment but with passport and ID to set up account - did so and was told by branch that we needed an appointment. So we made one (waited 2 weeks), all went smoothly. Phew! But then my daughter put in her online password incorrectly and the app told us we needed to call with reference number to get it reset. So another nightmare ensued... First advisor we spoke to kept putting me on hold for 10 mins plus at a time, and eventually hung up on us. Then we called again and spoke to the rudest, most obnoxious male advisor I have ever had the displeasure to encounter. He was sarcastic, shouted, and even the way he said my name was oozing with meanness. He kept shouting 'you're not listening!' but in reality he was the one who didn't listen. Eventually he hung up on us shortly after my daughter commented on his rudeness. We had only been calling to get my daughter's online password reset! Apparently the only way to do this is to go into a branch during a national lockdown in a pandemic, when our area has 800+ cases per 100,000! I promptly called back to make a complaint about the ridiculously bad experiences I have had with this bank. I stupidly switched my current account to them, lured by the £100 switching bonus and the closeness of our local Lloyds branch, but will be switching away ASAP after this terrible customer service experience... and guess what? My daughter STILL doesn't have her app up and running so can't check her balance etc. Apparently my complaint has gone through to the complaints team and I'll get a phone call from them (When? They don't know, so probably never). Already spent 3 + hours on the phone with them today. Truly disgusted with our Lloyds experience, would give 0 stars if possible.”

Helpful Report

Posted 3 years ago

“It’s so hard just to log on, it’s absolutely the worst out of all the banks I deal with”

Helpful Report

Posted 3 years ago

“Keep Clear of this Bank I went into the Bank of Scotland to draw out Cash from my Lloyds account, as I was in Scotland which has no Lloyds Branches. I went into the Bank, people were in front of me in a cue and people came in behind me, a woman approached me and asked me what I wanted, I told her I had come into the Bank to draw out cash, she then asked me how much cash I wanted, I told her £1000.00, she said that was a large sum of cash. (RUBBISH) 50 years ago when people were paid in cash, I used to go to the Bank every week and draw out between £250.000.00 and £255.000.00 in cash to pay employees. Then she asked me what the cash was for, I then told her it was none of her BUSINESS, then she proceeded to confront me and telling me how I should pay for items, she said that shops were only taking card payments, I told her that I always pay cash and no business had refused cash, This conversation was in front of other customers, so some of them could have left the Bank and phoned a criminal and given them a description of me and when I left the Bank they could have attacked me and stolen the £1000.00 pounds I had just withdrawn from the Bank, I then proceed to the teller to get my cash, then another woman came along and said I want to explain, I told her to shut her mouth, I did not want to hear what she had to say, I came into the Bank to withdraw cash not for a confrontation or an interrogation and told how I must pay for anything. I then got my money and left the Bank, this was all recorded on my Body Camera. I believe these two woman were LESBIAN MAN HATING WOMAN. I am not going to be dictated to by a Bank that went Bankrupt in 2008, because they were FINANCIALLY ILLITERATE. Two weeks later I got a letter from my Lloyds Bank which said. WE ARE WRITING TO YOU FOLLOWING THE INCIDENT OF VERBAL ABUSE AT THE UNION STREET BRANCH ON THE 2ND APRIL 202O. IF THERE IS A REPEAT OF THIS OR ANY OTHER SIMILAR INCIDENTS THEN WE WILL HAVE NO CHOICE THAN TO GIVE YOU NOTICE TO CLOSE YOUR ACCOUNT. THIS IS IN-LINE WITH OUR UNACCEPTABLE CUSTOMER BEHAVIOUR'S POLICY. IN THE MEANTIME WE HAVE MADE A RECORD OF THIS INCIDENT AND THE ACTIONS WE HAVE TAKEN ON YOUR PERSONAL CUSTOMER FILE. IF YOU'RE UNHAPPY ABOUT ANY ASPECT OF OUR SERVICE, YOU CAN FOLLOW THE PROCESS OUTLINED IN THE HOW TO COMPLAIN BROCHURE WE'VE ENCLOSED IN THIS LETTER. NO BROCHURE ENCLOSED. SIGNED MANAGER NO NAME. THIS LETTER WAS NOT ON LLOYDS HEADED PAPER, NO MANAGERS NAME IT WAS ON A PLAIN PIECE OF PAPER WITH NO ADDRESS OF MY LLOYDS BANK, ONLY POST BOX NUMBERS. I CONTACTED LLOYDS BANK HEAD OFFICE ABOUT THIS AND ASKED WHAT HAD BEEN PUT ON MY PERSONAL CUSTOMER FILE, THEY ADVISED ME NOTHING WAS ON MY FILE ABOUT ANY INCIDENT, THIS LETTER WAS DONE BY THE LESBIAN MAN HATTING MANAGER AT THE BANK OF SCOTLAND MADE OUT IT HAD CAME FROM MY LLOYDS BANK. (FRAUD) I THEN WROTE A LETTER TO MY LLOYDS BANK ASKING FOR AN EXPLANATION ABOUT THIS LETTER, AND THAT THEY HAD NOT ENCLOSED A COPY OF THE COMPLAINTS BROCHURE, I ALSO EXPLAINED THAT I HAD THIS ALLEGED VERBAL ABUSE ALL ON MY BODY CAMERA. I ALSO ASKED FOR THE MANAGERS NAME, I GOT NO REPLY, I THEN WROTE A COMPLAINTS LETTER TO THE CEO OF LLOYDS IN LONDON, RECORDED DELIVERY, AGAIN I GOT NO REPLY, I THEN WROTE TWO MORE LETTERS TO MY LLOYDS BANK RECORDED DELIVERY AND GOT NO REPLY, I HAVE CONFORMATION FROM THE POST OFFICE THAT THEY WERE DELIVERED. I WENT TO THE FINANCIAL OMBUDSMAN SERVICE AND THEY WOULD DO NOTHING, AS THEY ARE FUNDED BY THE CORRUPT BANKS, I AM NOW IN THE PROCESS OF A SUBJECT ACCESS REQUEST TO GET ALL THE INFORMATION ABOUT THIS INCIDENT AND THE DETAILS OF THE MANAGER AT THE BANK OF SCOTLAND THAT WROTE THAT FALSE FRAUDULENT LETTER TO ME. KEEP CLEAR OF LLOYDS BANK AS THEY REFUSE TO ADDRESS COMPLAINTS FROM CUSTOMERS EVER AT THE HIGHEST LEVEL, AND KEEP CLEAR OF THE BANK OF SCOTLAND WRITING LETTERS ON PAPER STATING IT WAS FROM ANOTHER BANK AND SIGNING THAT FRAUDULENT LETTER, REMEMBER THAT CROOK CAROLINE WAYMAN THE CEO AT THE FINANCIAL OMBUDSMAN SERVICE WILL NOT HELP YOU. I GOT AN APOLOGY FROM THE BANK OF SCOTLAND WITH A LOT OF LIES IN IT, THEY STATED THAT THEY WERE LOOKING AFTER MY MONEY, BEFORE B OF S WENT BANKRUPT IN 2008 WERE THEY LOOKING AFTER CUSTOMERS MONEY. DID THEY TELL CUSTOMERS TO REMOVE THEIR MONEY FROM B/S AS THEY WERE GOING BANKRUPT. THAT WOULD BEEN LOOKING AFTER CUSTOMERS MONEY. Keep clear of Lloyds Bank as they refused to reply to my FOUR LETTERS OF COMPLAINT, And they will most likely do the same if you complain. I am going to organize a website where my Body Cam footage is put up on the Internet, once I have got all my Subject Access Information. Now under the Subject Access Request I have found two letters warning me about my alleged behaviour, It was not my behaviour It was the Bank of Scotlands behaviour. TWO DIFFERENT LETTERS TO ME, One on paper with Lloyds Bank, another not on Lloyds Bank headed paper, different signatures, and the Bank cannot tell me the ALLEGED MANAGERS that signed these letters, Also Lloyds Bank Branch where I have my account says they did not get THREE LETTERS OF COMPLAINT FROM ME, But the Post Office have confirmed three letters to my branch all signed for, I believe this shows Fraud, Corruption, Falsifying letters, and my reviews keep on disappearing, you will find them on other sites Trustpilot etc.”

Helpful Report

Posted 3 years ago

“I am not one to ever leave negative reviews, but I have been trying to organise something with your business banking team for over a month and still nothing, literally no one cares. This is beyond imagination. Lloyds does absolutely NOTHING for small businesses. If you were to ever consider taking an account as a small business with Lloyds, I would strongly advise against it.”

Helpful Report

Posted 3 years ago

“Black horse...oh yeah black souls to d bone Omg chi outgrow my mate had a cash flow and Lloyd's Westminster victoria told my friend off, they refused to open lotto winnings on a mega lotto! Disgusting,,as a bank that is bailed out by public funds..they should hang their heads I shame!,,,”

Helpful Report

Posted 3 years ago

“NO EMPATHY NO COMPASSION POOR CUSTOMER SERVICES They blocked my mother from her on line account after attempting to pay a invoice on line. She phoned bank and went through security questions she then requested that I spoke on her behalf, was then left on hold for an hour during which time my mother went on a medical appointment I was then told that my mother needed to answer additional questions and that I could not answer these on her behalf as a result my mother has been left with no access to her account and is unable to even buy herself a cup of tea.”

Helpful Report

Posted 3 years ago

“Horrible phone service. I tried to switch to Lloyds but it failed. The message they sent me included a wrong telephone number which was not the LLoyds switching team but Halifax. And after I got the correct LLoyds switching team telephone number through internet service, it took forever to get someone to talk to. The worst part was when you got through the hotline, the category selection was so unclear that you could easily go to a wrong category. The staff was not helping at all. They said to transfer my call to another team but they just transferred me back to the category selection so I had to manually select another category and wait for someone to pick up the call again. Not to mention in the first 3 days I failed to get someone to talk to. I could never reach anyone in the afternoon. I had to get up early to make the phone call eventually. It was a horrible experience.”

Helpful Report

Posted 3 years ago

“I have had several problems with Lloyds. First of all the customer service is abysmal. You wait at least half an hour to connect a call, even if it is important like a stolen card, then the staff are rude and impolite. In addition to this, the card itself is dodgy. Mine has been retained by an ATM machine twice, leaving me in a very difficult situation. I also receive a very very annoying weekly email from Lloyds titled "We want you to recognise a fraudulent email". How many times do you have to send this! I have opted out of all email communications yet still receive this rubbish each week. Banks are also unethical as they have shareholders that profit out of other people's money - in a building society the company is owned by its customers.”

Helpful Report

Posted 3 years ago

Lloyds Bank is rated 2.6 based on 1,113 reviews