Applying for an ANZ credit card-a recipe for disaster
Mix together the following Ingredients:-
Poor quality phone lines,
phone consultants with hard to understand accents, lies, incompetence,
delays involving them saying they never received copies of documents you have already sent despite you having proof they were sent,
Refusing to accept certain documents when their website clearly states otherwise,
Claims that you didn’t reply to emails even though you can prove you did,
having to call the complaints line to get a response.
Combine all the above ingredients in an overseas call centre. ...No need to cook just wait & hope, & allow 3 or 4 times the amount of time you might expect it to take for a result. There you have the perfect recipe for disaster. Warning;- after indulging in this recipe you may suffer:- Time wastage, frustration, anger, confusion, disappointment, & it will probably leave a very nasty taste in the mouth. if affected please seek an alternative.
Don't sell me something I didn't ask for !
ANZ low rate balance transfer offer 22months 0% with a 1.5% balance transfer fee.
I was going to apply for this card online and came undone when the credit limit was only $15K.
I contacted customer service to see if there was the option of $40K, they replied of course no problem !
I was instructed to head into one of their branches to apply.
I did so & spent a good 45mins going through everything and handing over the details of the cards to do the balance transfer from.
I got approved the following day for the card with, you've guessed it, only $15K limit.
The product is a hindrance more than a help!
no loyalty from this bank
I've been an ANZ customer for 35+ years and i'm fed up with the lack of customer loyalty. I've been a loyal customer for DECADES and plenty of money has passed through my account. I'm sick of being hit with constant fees and interest charges. Even if you've been a loyal customer for decades. Even in a global pandemic, ANZ is charging late fees and interest on purchases. They closed almost all branches, no longer able to even use Australia Post, no service/s but plenty of fees and charges. I will be moving all of my accounts asap!
Rude staff member
Today 29th day of June 2020 I went too the ANZ at the Ridgehaven branch to make a payment on my wife's Visa Card, I have done this practice for decades. I was waiting for the teller when I was approached by a ANZ staff member (who I never asked for his name) he asked me if he could help me with my transaction at the indoor atm. I stated no I am paying my wife's Visa and I don't know her pin number is, as it is required at an atm.
He instantly raised his voice at me and told me I can't have possession of that card. He then threatened me he was ...
77 days since submission and home loan refinance is still pending.
Just a complete joke of an organisation. We engaged an ANZ broker mid March and started our application on the 1st of April. We managed to get everything all sorted for a 8th of April submission. During that time, we have had to resubmit countless pay slips, bank statements and 77 days later we still heard had nothing from ANZ.
I called ANZ, they said because I went through a broker I would need to talk to the broker, I call the broker and he's telling me the hold up is with ANZ.
No-one seems to be accountable for this mess up.
I would hig...hly advise anyone that wants to retain their sanity to go with ANZ for anything. There's a systemic and cultural problem at ANZ. It's a culture of finger pointing and stall tactics. Excuses after excuses, yet all their execs are lining their pockets and giving each other virtual high fives as they've smashed a their lending targets. If you love yourself, love those around you go elsewhere. Don't be lured by their low rates and rubbish cash backs. It's all a ploy you get you in and waste your time.
- Verified customer
Visa charge back - lack of support
Been a ANZ customer for 30 years - watch them close my 2 local branches and now I need ANZs help with credit card charge back for tripadeal holiday ( no service provided) - I get standard lines. They didn't even investigate my issue. Others with Westpac Mastercard have the issue resolved. ANZ just don't seem to want to help
ANZ - Terrible service
The worst home loan processing times for a major bank, ever! They keep using Covid 19 as an excuse but other banks have got their act together. Doing nothing to resolve this issue.
Avoid if you don't want to wait at least 3 months for a Loan Application
I submitted a Home Loan Refinance Application on 27-Apr-2020. I was advised by the bank that there was a 14 day lead time when I first submitted the application. As of 15-Jun I was advised that the application had not yet been looked at and the earliest (if no delays) would be 27-Jul-2020. I have since withdrawn my application and taken by business to the Bank of Melbourne who were able to provide a better rate and an approval in 2 days!
4 weeks and still no reply for a 30k Business loan
What an shambles of a Bank, this is still ongoing 4 weeks and I still dont have approval for a measely 30k loan for a new work van. Obviously being a small business owner things need to move quickly 1 week all good, 2 weeks okay little bit slow. But 4 weeks and still no reply what a disgrace to the banking sector you are. Then someone cancels the direct debit setup on another chattel mortgage no one at ANZ could explain how that happened. So naturally I was in arrears 2 months which once discovered i paid in full on the day. They then come back...and say my credit rating is bad as I missed payments on my exisiting loan. Hahahahaha this is laughable. They then have the nerve to ask if I want to move all my business accounts across to them! Never again. STAY RIGHT AWAY FROM THIS INCOMPETENCE !
Worst Bank ever
I have used so many bank in the pass for home loan, ANZ is the worst that I've dealing with. We have got everything ready for the settlement and keep waiting for ANZ letter and Email (which been approved and just await the email to sign by us). End up we didn't receive anything from ANZ until a week after settlement date.
ANZ is culturally irresponsible, unresponsive with incompetent, careless and rude staff on their roster
I would bother explaining my complaint but your 1.4 star review rating does it for me! Let’s just chalk it down to your service being culturally unresponsive, incompetent and careless even when escalated to your customer complaints department!
I can’t even support my father over the phone without his account being blocked and him having to go into a branch. FYI Confidentiality is only breached when the party does not consent to their information being shared. Pathetic excuse for a bank.
My dad will be switching! Thank goodness I don’t bank with ANZ!
- Verified customer
Avoid and go elsewhere
This bank has to be one of the worst I’ve had dealings with ever. They are all happy and glad to work with you when they know you are going to ‘spend’ money with them. But once you need them to do something for you (ie dispute a transaction) they hide behind paperwork and ‘limitation’. Empathy is nonexistent, not to mention it took 2 months to actually speak to someone as no one calls you and they expect you to chase them.
Zero Care Factor
Our SMSF has been with ANZ for over 30years. Customer service has been average in this time but recently service has been worse than poor. A Pay Anyone Dispute was raised via secure email in internet banking as advised per recorded msg when I rang (i waited over 30mins twice before submitting email). I rang a week later, dispute was raised in incorrectly, another reference number issued. Rang again a week later, advised the dispute was raised incorrectly for a second time, was reissued a third reference number. Its now been over 6 weeks, money ...transferred from my account did not reach the payee. ANZ will not tell me where the money has gone but apparently they are working on it. Their care factor has been zero in the whole matter. I have done all the chasing, no contact by ANZ to keep me informed. My advise would be check out other banks before ANZ. Once this has been resolved, we will be changing banks.
- Verified customer
Terribly slow. Do not follow information provided. Terrible response rate
Applied for a credit card with them as a first-time customer. Their requests for documents was so slow and so hard to deal with as they call at odd and unexpected times, even when I've provided times for them to call, as they requested. Processing time is so long. No proper communication of updates that I have to be contacting them over and over to find out where it's at.
A month later, I had to email to find out if I've been approved (I have been) but I still don't know when the card will arrive. Was redirected by email to call the ANZ hotline but was told by the operator that I should be emailing them instead.
ANZ is all over the place. I don't see how they can be among the league of the Big 4 banks when Commbank does SO much better!!
Would not recommend ANZ anyone
As the Centre staff are rude and Will not be recommend call ANZ to
Anyone as they most rude people not Happy with customer service Not happy at all only the call centre
Good Will Gesture
I have been a customer of ANZ for many years now, and what they did for me, is worth writing about. I purchased an item online using internet banking transfer method. The item did not arrive and I lost my money over it! It would have been easy for a bank to say, next time be careful and get all their details of where you are sending your money. However, I got my money back from them the ANZ bank itself! I gained the impression it wasn't something the bank would normally do and why should they, afterall it was my stupid mistake! However, after t...hey began looking into the situation more, I got my money back. They called this a Good Will Gesture! I call it Brilliant Customer Service!! So much so, that it explains why they are still around today, and why so many people bank with them. Thank you ANZ. Unexpected and gratefully appreciated.
ANZ did a credit check but never followed up with me regarding my application. Then lied about trying.
I applied for a credit card and was told it would take a few days to process. Months later I still haven't heard or received anything. My credit report shows that ANZ did a credit check. So what happened to the followup email or call? Ive just called ANZ and they say they tried to call me and they texted me, but that never happened. I have no record of this in my texts and phone calls dating back years. The inconvenience of not following up with the application plus dropping my credit score as a result of the credit check is infuriating. And th...en the lies of attempted contact! I've never had a good experience with ANZ; from bank accounts, to trying to delete my unused superannuation account that you forced me to create, to the terrible phone support service, and then this.
8 years ago I took out a break free home loan credit card and savings package with ANZ Bundall branch.
I was not provided with the loan documents despite asking for them in person and over the phone.
The mortgage insurance was not put in place. I was told I owed ANZ money and they closed my savings account . After the Royal Banking Commission I was sent a cheque in settlement for the money they took illegally from my the account they closed.
I tried to sort something out regarding the mortgage insurance at the ANZ UQ . Initially the manag...er was helpful but ultimately he stood over my wheelchair and threatened me saying I was wasting his valuable time. ANZ has refused to provide me the staff members full names so action could be taken against them. I went through hours of conversations with many different teams. They closed their investigations without telling me.
Pretty Damn Good
I've been with this bank for over 3 years since I was 16. I've never had an issue with my banking experience, the call-in support has been average but having branches to go into for basic queries and a disputes team that acted quickly to get me back wrongfully taken money was pretty good and quick. Quite happy.
the worst of the big 4
ANZ locked my account due to a suspicious login, fair enough. They told me to call them to unlock the account, no worries. When I attempted to call the number, I was dragged through a lengthy menu to be told that their phone service is currently not active and I have no other way of unlocking my account. I am current unable to access my funds. I do not recommend that you use ANZ.
Questions & Answers
What is the point of these rerviews? Does the ANZ really read them? If so, do they care? Answer - No, obviously.
No the bank does not read these reviews.the reviews are for the benefit of the public as this is a public review forum & has nothing to do with the ANZ bank.
Yes Bert. I already know the answer.
I have used the official bank channels 'ad nauseum'. I've got absolutely nowhere.
This post is a rhetorical question. It is to vent my frustration and if this appears to be whinging, so be it.
In itself, my post is an indication of just how ANZ cares for its customers.
1/ Just wondering why your staff are so rude incompetent and unprofessional?
2/ Why does your bank use an offshore centre ( India ) to process loan / credit applications?
3/ What type of customers are you wanting to attract if you shun small business loan applicants, pensioners, people wanting to open new accounts, customers wanting to extend mortgages and purchase investment properties?
4/ When are you going to close your branch in Noosa?, because this community doesnt like your attitude or want you there.
What time does anz bank deposit the Centrelink payment into the recipient’s account?
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