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ATM didn’t dispense my money for my daughter’s birthday on a weekend FURIOUS!!!!!!!!!!!
Used a Heritage Bank ATM at Clifford Gardens Toowoomba. I wanted to withdraw $350 for a party for my daughter. The dispenser kept making noises for around 2 minutes. The money was not dispensed I am so angry this has never happened at any atm and I’ve traveled all over the world and used them. If the money is not in my account ASAP I’m changing banks.
Uchoose, vanilla, giftcards,com.au and many others
Heritage bank is supporting merchants such as the ones listed above and many more. I received 7000 in gift cards from uchoose, which are almost completely unusable. ACCC & AFCA have been reported to, they charge fees from 2 months- they aren't accepted, if they are apparently there is a 20% mark up- they also have fees taken out for phoning the "Merchant" in this case is oxygen (global I believe) for heritage to support these absolutely fraudulent organizations who are clearly taking advantage of people is absolutely abhorrent
very bad call centre
i called the call centre to adjust my debit card n she only demanded my debit card number nothing else, whats the point having security questions?? n when i asked how much to call this call centre she said its free but it cost me more than $10 for 2mins call. very dumb people!!!
Branch service is great but if you want a home loan try somewhere else. 40% deposit for an investment property, with long term reliable tenants, that yields an income 30% above the repayment rate is not enough to secure a loan.
People First ... I don't think so!!!
Called on weekend and was notified of interest rate. Deposited money next business day. Same day interest rate was bumped down by .15% however I didn't find out until several days later. Contacted them to withdraw funds given I was not notified of the changing rate and was told i would lose my interest as it was a condition of interest that no withdrawals are made in the month. I suggested that given the circumstances they should override the penalty however they wouldn't have a bar of it. Most banks give their customers advance notice of a rate change however was advised Heritage Bank don't. "Heritage Bank - People Last"
GREAT CUSTOMER SERVICE
Heritage branch at Springwood in QLD has outstanding service. Every time I go there, the staff are caring and so professional. Michael went above and beyond in helping me get my transaction through as smoothly as possible. WELL DONE everyone, you bring back days of old where your genuine interest in helping others shines through!!!!
No such thing as insurance with this company
Unauthorized money was taken out from my credit card just under $3000, filed a dispute they tell me not to pay the amount and that they will get it sorted. A month later they call me to tell me they've taken out $100 for overdue fees but they could not call me to tell me that they squashed the case after a week because they threw it in the too hard basket. Now they are asking me to pay the almost $3000 amount. I will be making a formal complaint to the AFCA and hopefully speaking to solicitors this Tuesday. There is no point in having a credit ...card because your money is not safe with them. I've been a loyal client for over 20 years and this not the first time they have screwed me. But enough is enough and I'll be taking me money elsewhere. Absolutely disgusted!!
Ridiculously low inter bank transfer limits
In this day and age with one time passwords etc there is absolutely NO reason for Heritage bank to have the ridiculously low $25k limit on inter-bank transfers. Having $100k in Heritage I never expected the limit to be so low so didn't check, and am still astounded because I've never had any bank out of over 30 Australian banks have anything less than $100,000. Not even the ability to raise the limit over the phone for a day as some banks offer. Staff member was unhelpful and unsympathetic, telling me I could fill out a form and submit it to ra...ise the amount to $40k - couldn't even tell me how many days that would take and by the time organised I could probably do the transactions daily to completely empty that account because I certainly won't be banking with Heritage ever again.
Cannot even send money to my suppliers - I am calling Heritage bank regularly due to not being allowed to send money
next day payment and still not allowed to send money to other banks. I love the no fees but if i cannot even send money, Im looking at other banks
Used to provide good service - would not recommend now
We have banked with Heritage Bank now for close to 8 years. In the beginning the service we received was friendly, personable and helpful. However, in recent years we have found the service is lacking. We tried to open a business account but the requirements made this impossible (topped off with rude customer service) - we went to St George and had no issues with opening an account. In addition, I find it difficult to pay $300 a year in fees on a mortgage account when I'm already paying $16,000 a year in interest, particularly when the service is subpar. We are actively looking elsewhere for a better deal with better customer service and I would recommend others do the same.
Bpay is taking to long to transfer
We have used Heritage bank for 25 years and never had problems, but their Bpay is useless, we had transferred money to the tax department on the 27th of October, and on the 5th of November got a message from the tax dept asking where the money was since it was due on the 28th, it only suppose to take one day to transfer I believe, I am so annoyed right now....We did the right thing, changing banks I think because this cannot happen again...
Branch no longer assists the elderly needing help
We have been with Heritage for over well over 10 years and have (7) accounts and some on a Professional Pack. Today my wife attends a Branch to transfer her 100K and need a hand as we do not have these limits on any accounts to QSuper via BPay. As expected the Branch Officer could not assist at all, referring us to do all this online. Well we attend a branch for HELP as who transfers these amount with all the security online to prevent this. Apparently we have to move 5K per day to get to 100K as he suggested so that means 20 days of transfer...s is what he is suggesting to us. I do hope people read what is happening to us over two Branches both Northside of Brisbane My last encounter was just for a simple Bank Cheque for 40K and the Branch Officer made a point of criticizing my handwriting and really took great delight to embarrass me as I was trying to operate a mobile phone account because I had to do this. Yes that is right, again I have to move money on a phone across accounts whilst the Branch member continues pressure me on my handwriting for approx 8-10 repeating comments in front of other customers. In this case I had to reach out to the Branch Manager for help and only his intervention (30minutes), I walked out with the Bank Cheque. By old we are 56 and 63 years and are very savvy with records so dementia is not set in as yet. Now I have to intervene and ring a Branch manager tomorrow, seek an appointment just to do a BPay. Now I expect a reply to this, but the reality is, the damage was done. Hence this review is very deserving to get the Banks attention!
Should have stayed with commenwelth
After a store refused to issue my refund after receipt issued and refund approved, I went into my local branch to see what my options were, well that was a waste of fuel, we can't do anything we can't see the transaction, refused to help because I was a online transaction, I'll be going back to the big 4 that's for sure
Absolute pathetic excuse for a declined loan
Always banked with heritage, decided to get a loan for an investment property, we had good jobs, no debts and a 40% deposit for the home loan. Absolutely gutted at the treatment we received for our loan application. Slow is something of an understatement! Heritage does NOT understand what a contract is and they do not honour the due dates. I was required to get extension after extension on the house contract because we were still waiting for the valuation to take place. It turns out that heritage makes up any rubbish that they like in regards t...o valuation of property because its an absolute load of lies. We were declined our loan BECAUSE OF THE TOWN that the house was located even though the house was only 8yrs old and a nice brick veneer home in a newly built area. The reason for our loan to be declined is beyond the excuse we were given and the letter that we received doesn't even cover the reason our loan was declined. So unprofessional and I'm very disgraced at the outcome.
Great rates, but that's it
Heritage bank offers great rates (currently about 0.2% lower than the main 4) but that's where the pro's end. The bank has forms for almost anything you want to do (eg. to redraw money from my home loan), long wait times for phone support and multiple issues with their online (such as you need to type the password in slowly or it errors out, and the eStatement feature doesn't work).
Extremely poor, could not even start the process for a Mortage!
I tried to apply for a mortgage with Heritage and I followed up over 10 times across a three-week period and they simply couldn't take all my completed forms and submit them to credit. Dont waste your time with a bank that obviously doesn't care!
- Verified customer
Regretful & frustrating experience. Be very wary... the negative reviews make a lot of sense!!
What a complete waste of time attempting to open a savings account with Heritage Bank was!
After completing the online forms and attaching all of the information they requested (Medicare card, rental agreement, driving license etc); I was sent a further email asking for the same information AGAIN. I responded exactly as they had asked only to receive a one-lined response advising me that I had not met their onboarding criteria so I will not be offered a savings account?! Figuring something must be amiss, I contacted a member of the team to see...
Home Loan application nightmare.
My broker suggested we attempt to apply to heritage for a second home loan. Firstly they released a formal policy to utilise the builders grant like the FHOG which was unachievable and only realised after the fact by someone internally who actually decided to read the criteria of how the grant could be used. It was quickly withdrawn. Since then my broker has had continuous issues with Heritage and after two painstaking months of trying to get approval and jumping through all the hoops to acquire documentation for largely irrelevant personal inf...ormation, we have decided it is no longer a viable option. It is truly amazing, not in a good way, how long this process has taken with Heritage. My broker was unable to contact the assessor and was required to call the public service number just to speak with them and get an understanding of what was required. On a few occasions it took almost a week to get a single response from the assessor who would then require further documentation. This system is old, outdated and out of alignment with customer expectations and I applaud anyone who had the patience to stick it out because it was painful and id have better luck banging my head against a wall. Remembering that during this time, people are looking to utilise the home builders grant and with the experience I have had, beginning a build in three months is not likely.
Friendly staff and affordable products
I've been with Heritage bank for 4yrs now with home loan and everyday accounts. Anytime I phone up I speak to someone who is friendly and can 9.9/10 times answer any questions I may have. I live in Victoria and have still been able to bank with them easily. I hear they're opening a bank up in Vic at some point so that will make it even easier. I was previously with CBA for over 10yrs and was never treated as well.
Heritage issue the gift cards marketed by Australia Post. These are virtually unusable online. Uber, paypal, gymshark, David Jones, Menulog, forget all of them. I could go on, but the list is endless. These cards are totally not fit for purpose.
Questions & Answers
Is it legal for Banks to charge overdrawn fee's? For example Heritage charges $10 overdrawn fee's.
I would like to open a bank account because I’ll be staying here for 5 month Due to work and travel. Now should I open a bank account with heritage bank or Westpac (my friend told me they were good) ? Anyone got any experience?
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