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The WORSE bank I have ever used! Stay away
It is utterly the most unreliable, behind in processes/systems, unprofessional. They are so behind that they cannot even address an envelope properly containing a personal credit card. Their answer to complaints is typical 'we can't' or 'the system won't allow us' I have had 3 formal complaints against them and they all have been answered in a vague/don't care manner. 4 days to change a PIN.
I am cancelling my platinum card this month, I cannot wait until the day that I do not have to deal with them anymore. It has been a real nightmare.
Here is the latest complaint to Heritage:
Hereby I am sending a formal complaint, I am truly frustrated with your services and your useless processes.
What a waste of resources, appears to be a poorly-run bank - cannot redirect mail
I've brought a house where the previous owners banked with Heritage. Their mail still keeps getting delivered to me 2 years later, despite me 'returning to sender' several times AND spending time on the phone over 4 separate occasions to request they cancel the mail (previous owners have left the country). On the last occasion I spent at least 20 minutes with the Heritage bank rep going through all the possible options to cancel the mail. The Heritage Bank rep on the line assured me that now she had fixed it and I would not receive any more. And today got more mail. What a waste of resources!!! It appears to be a poorly-run bank
Incorrect account opened by us when guided by staff. Do your own research. The Target Bonus Account must be opened on the first day of the month to get the full months interest for that month. We new about the other conditios and adhered to those. We opened ours on the 6th so missed out on $210 interest for the three weeks of January. Very frustrating. Considering we play the game of chasing the best account for savings. We usually do our own research but relide on the teller's knowledge. We will not do this again.
they have the balls to take money from their customers but no balls to get it back for them
bank's motto is people first when it's really is people last, they will take money from their customers when they make an error but when they need to refund scammed money back to their customers they lose their balls by say get a solicitor?
Terrible never use Heritage Bank
Horrible and disappointed. Don’t acknowledge their mistakes and put families through the hardest times with harassment and belittle them. Received an email stating that they are not required to meet the determinations handed down by AFCA and won’t. I have emails showing their errors and will upload these over the next few days. Not only do they breach the Acts they are required to abide by but they will threaten, intimidate and lie about customers rights. Not only have they tried to take over $40,000 in funds they are not entitled to from an ev...eryday family but they have put it in writing that they want an amount that they are not entitled to. They knowingly breached the acts and for over 3 months now they have refused to settle an insurance claim, putting our family out financially. Please find attached below evidence of their breaches and written correspondence to demonstrate such. I have seen documents where this is not the first time Heritage have behaved this way. I have witnessed loans written incorrectly with incorrect interest rates applied, with families and customers being charged over 2% more than the rate applicable to their loan. I have seen loans written with false and untrue disclosure and I have witnessed staffs jobs being threatened if they disclosed anything to customers. I encourage everyone who wants to know more to contact Heritage Bank Limited and review everything on your loans. I’m happy to list questions to ask them below if anyone wishes. With customers being perhaps entitled to thousands of dollars back.
Unprofessional, unqualified, mockery of a bank
Attempting to get a home loan with heritage? Don't bother. Last year it took me almost a year for heritage to approve a home loan for a new build property. Heritage admitted fault and said they had fallen down in many aspects of their service, 8 months down the line and its the same story.
My property has been constructed and I have applied to release some equity to pay for items such as landscaping, fencing etc, heritage required that my property be valued by one of their evaluators which I had no problems with. The problems started when it...was under valued by 60+ thousand(a large sum) the valuer was contacted and told to emend her report which she did(I question her capability to work as a valuer if she alters the valuation just like that) Since then I have been in a backwards and forwards battle via email with heritage demanding payslips, credit card statements, bills etc, this I have no problems with but when heritage requests the same information no less than 3 times it becomes a bit tedious. It has taken 5 months to approve a $26,000 loan which has still hasn't been approved despite being granted formal approval, loan documentation signed and returned. I can honestly say I have never delt with an institution like it. How this bank has not been investigated for misconduct and negligence I will never know. I intend to move my mortgage to a different more competent bank as soon as able.
the head doesn't know what the tail is doing!
Last November I successfully applied for a package which included a visa card and line of credit loan. Yesterday I got a rude letter telling me that I did not meet the criteria for this package and that my failure to rectify this situation would result in me losing this package and all of its benefits. What!!? They just approved my package and now they are telling me I have it illegitimately? I rang up and the person I spoke to was very helpful and explained that it was a computer error and all was in order. That may be the case but was it...also a computer that generated the letter, put it into an envelope, sealed it and placed it in a letter box? It would have taken someone one minute to check my account before sending this letter. If they had of done this they would have quickly realised that all was in order. Instead, they just casually sent me a threatening letter without checking that it was warranted. You would expect better from a bank that has the moto - "people first".
Not impressed, not coming back
My partner and I went into a heritage branch because we wanted to start a joint account together. When the teller discovered that my partner is not an Australian citizen, the tone quickly changed from pleasant to awkward. It's like we had to apologise for not being Australian citizens. Disgusting!
He started acting very uncomfortable and said how they need many more ID documents from "international people". We just ended up walking away, it was too hard work and he really didn't want us to be there.
. (Bunch of bogans from Toowoomba vibe, i would suggest looking elsewhere.)
tried to borrow 10k personal loan secured by 10k cash in an account set up by heritage, it wad declined b
deposited 10k as requested, filled out forms supplied pay slips and bank statements for a 10k personal loan secured by my money, after 3 months itw as declined again for my statements from my bank online print out didnt have my name on them? even thugh the statement matched my payslip entries they said they couldnt use tham as evidence? i have 20 k in the bank and 10k in theres and the repayment were 50 a week and they said with both of us working we couldny service the loan? they offer products they cant honor when you get mucked around for 3 ...months of satisfying their requests,we are lucky we didnt really need the money urgently, dont bother with heritage bank they arent genuine about there products and once you deposit your money they change their tune on your loan outcomes, stay away from heritage
Worst bank ever
Have 2 accounts a Christmas saver account and a transaction account. After being sent PIN number and bank card cant excess my money now they expect me to go to a branch whilst the girl on the phone was rude and smirked at me very rude and horrible service
If the account cant be excessed unless you go to a branch why allow people to open an account on line
Why can I excess one account without going to a branch but not the other
The reviewer stated that an incentive was offered for this review
- Verified customer
Great online banking and easy to deal with
I've been with Heritage Bank since forever and have always had great service from them. Their products are generally competitive compared to the market and I like that they are member owned, so beat the big 4 hands down when it comes to good service, acting with integrity and supporting the community.
Their online banking is great, easy to use and the app is great too. Would highly recommend.
A Pathetic UNTRAINED ORGANISATION
After 3 Emails with different personal,each stating different requirements to open up a SMSF account
The 2nd Last Email ((now 4 emails) I included a lot lot more than I was asked for & then one Of the IDIOT emailed me that they wanted more information
The Amount of Information I gave them was at least 2-3 Times more than any other Financial bank requires
In the Finish I told them where to go & Delete all (approx 20 pages) I emailed them from their system
I've been with Heritage a few years with a loan that we wanted to transfer the security over to another property - I checked and got WRITTEN EVIDENCE from 2 Heritage Staff about our financial position - they made multiple HUGE mistakes in calculations from their supposed "specialist banking team members" and as a result of their errors it cost us $12,000. We told Heritage, who looked into it - I spent hours getting together all the information and what was the outcome from Heritage?...... oh yeah sorry we stuffed up, here's $500 - FIVE HUNDRE...D bucks when they had cost us over $12,000!!!???!!!! I've left them and cannot rate them more poorly!! Can't believe they win awards - must be rigged!! The Royal Commission needs to give them a good look I think - their staff can't add up 2 plus 2!
not good,18months ago was great,gone downhill,will be taking my 250 grand out in feb,and not putting my wives and my super with them,worth nearly a million,so much for there cat,they really need to go back and hire people who care again.
one week triple call with no result for opening a bank account
I select the product "Heritage Bank Business Cheque Account" based on review on Mozo website but a big mistake. It took 10 days and they still haven't approve my application. (even not email sent). I called twice and ask for update. Everytime they were looking for more documents (without communicating it). So basically I should call them every 2-3 days to see what they are need. (Is this a right customer service approach). Finally after 10 days, I still not have a bank account open and they are asking for paying 80 dollar for search on the business name. How all other bank can do it via ABN/ACN but you can't?!
I decide to not go ahead with my account. If that is start, it will end up no benefit for me.
Worst bank ever! Really disappointed.
Worst banking system ever
I signed up in Aug 2019 for a savings account with a debit card online. Everything looks fine, including the online ID check. My account was generate and Debit card posted to me. Activate my card, tried to use it and was declined a few times and I can't see anything wrong when I log online to check my account. Rang up the bank and the lady told me that my account is frozen and they need to ID me again, but it can only be done at a Australia Post with paper form. The form will then be posted back to the bank, which will take 10 business before my account is active. This bank has the worst system ever, and no customer communication.
Dissapointing Home Loan
Have been with Heritage for over 30 years had first home loan in 1999 and now want to build.Applied for pre approval late last year and have updated few times this year have had a fixed term deposit. All I want is approval for loan to send to my builder to submit to council to start the process.My land is worth more than I am borrowing but seems this is not a simple process with everything needing to go to valuer first. Tempted to close my accounts and go somewhere else.
Customer Service was excellent
I spoke to Timothy today in regard to getting a small transfer done from my Christmas Club to my savings account. Timothy was lovely. So helpful and friendly. I wish all customer service reps were this nice.
No Help No answers & now no confidence
Logged on to my bank today and saw a transaction I had just made promised TWICE, Two different merchant numbers two different receipt numbers and thirty seconds or so apart. My Payee and their bank only show one transaction so I rang Heritage Bank to get the duplicate removed and boy that was where the merry go round of crap started! It seems Heritage are happy to hand out my money to anyone that asks for it and have no protection in place for immediate rectification of problems they cause. I now have to wait weeks and jump through more hoops...to recover my money that was promised without my authorization. I might add that the only reason I had to make the transaction today was because Heritage for some UNEXPLAINED reason cancelled my card and issued me with a new one saying only that my card had been compromised and flat out refused to elaborate any further as to exactly how by who or why. Since it was only Heritage that showed the duplicate transaction you would think they could fix it without causing me further delays and stress but the Team Leader and his subordinate kept only going round in circles blaming my payee's bank and expecting me to contact them when it was them that only show one transaction. So Heritage Customer service by Phone is both a waste of time and not helpful at all. The team leader eventually hung up on me claiming I raised my voice and I probably did as I got no help at all, that's 30 minutes of my life lost and I am none the wiser. I am now looking for a new Bank and if this is the norm so should you!
5 weeks for a simple personal loan application and still no approval
Cant understand how it takes 5weeks to apply for a personal loan, Multiple follow up phone calls on my behalf. Still no approved loan.
We have our home loan and business accounts with heritage with a squeaky clean credit history.
Had to apply twice because they deleted our file the first time because they were waiting on more information to be sent. The requested information was sent but misplaced.
Multiple apologies but no action.
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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?
Should I move my banking from Suncorp to Heritage Bank? Reviews on this forum seem pretty much the same, as in BAD? Sick of the lack of customer service at Suncorp, now looking around to find a bank with real customer service. Does such a thing exist in Australia..? Would really appreciate your help.
Sometimes it's better to stick with the devil you know rather than try a Devil who might be worse. You never know what a company is like until you have a problem and need their help. The way a company treat you then is all that really matters so far as their credibility. Everyone nowadays talks the big talk, few actually follow through with any tangible action. After being a loyal long term Heritage customer I had my first problem recently (a double up charge) I was treated very poorly and forced to jump through many hoops. I had one of their supposed customer service representatives actually hang up on me after telling me to sort the problem out myself! I have yet to even hear back officially from them as to why I was ignored and why they took the same payment TWICE less than one minute apart. I don't trust Heritage at all anymore.
My best advice is that you should stay away from Heritage as clearly Customers Don't Matter to them.
Hope this answers your question,
yes i agree,tried to give them 2million,in cash,they put a indian,manager in my small town,who dont care,thier loss,like to put that cat in a crab pot,they are terrible,say something on line,they shut ya down,the crooks
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