The Royal Bank of Scotland Group plc Anmeldelser 414

My experience relates to the automatic renewal, or not in this case, of a debit card.

In recent years, I had not used the debit card for cash withdrawals or electronic settlement for new payees. Nevertheless it is an account used for other credit and debits. However, quite recently I tried to effect an inter bank settlement to a new payee and to my surprise it was not happening. I then saw that my debit card had not been renewed.

Having taken up this matter with the bank, it would seem that new debit cards are not being issued automatically if the card in question has not been used for a number of months.

Apparently, although not in the Terms and Conditions, it is referred to in your account web site if you are inclined to look.

Having spoken with a member of their staff today, it seems that the bank is making a decision of fundamental importance to all of us. I believe that this procedure should concern us all.

In my case, I was not able to effect a promised payment to a third party on the specific agreed date because the service provider, I.e. RBS had instigated a procedure of non automatic card renewal. This prevented me from using the account in a way that I needed to use it for this transaction. The decision was not being taken by myself, it was being taken by the bank, RBS. The bank was using past usage history as a way of implementing a procedure which possibly saved it some money I.e. no automatic card renewal by post. By doing so it was preventing the owner of that money, I.e. me, from using my account in a normal manner by making a one off payment to a third party in a contractual agreement.

Their Complaint staff member was somehow not able to grasp that concept and gradually the conversation became more heated.

In conclusion, the customer who owns the cash within the bank account is being faced with restrictions in how he, or she, might use it simply because it’s not his “normal pattern” of usage.

This is “Big Brother” banking and a younger generation is being trained by the bank not to understand or acknowledge this basic principle of who owns the money! Considering that banks are increasingly closing branches thereby, restricting our use of cash for a debit card, coupled with this procedure of non automatic card renewal, we should be very worried about whether the banks are now, in reality, becoming joint owners of our money and not a third party medium of exchange.

As we move into a recession, people will wish to use cash more frequently, and one wonders if the issue of who owns the money, in reality, will become more of a practical, rather than abstract, concept.

Where to begin. Had my accounts transferred from HSBC who were becoming worthless. 25Yrs as a customer and no benefit or interest in me as a customer. RBS plenty of benefits but they do not make up for this as the cards continually failing to work. Apple pay issues which I am told I have to wait 5 weeks for a resolution. Transactions being declined for no good reason on both mine and my partners cards/accounts.
All cards look the same regardless of the type of account which makes things tricky.
Staff have no understanding of what good customer service looks like. Place you on hold with no good reason given. Solid holds for over 20mins. Calls lasting well over an hour for simple enquiries. Terminating calls when they have had enough of doing their jobs. Its like their monitors are switched off as they seem to have no access to information that would help them deal with a call. Asking me what I would like after I have explained at great length the issues I have endured. Isn't that your job!!!
Apparently £2400 is a large transaction...in a car garage when buying a car, looks suspicious if it were offshore or a chip shop but a car franchise has a high floor limit.... Called to explain and gain authorization...nope they wont because its their banking policy...wth does that mean! So they wont even let me spend my money not that I can because the cards are broke. What's the solution … its an active replacement 3 working days which means the old card will still work till you get the new cards...But your sending me new cards because the old ones don't work...apparently too difficult for them to understand their own contradiction leaving me in a crap situation away from home when there are limited branches ATMS etc no offer of compensation or support.. Do yourself and everyone a favor and move along to another banking company. Shocking. RBS Stinks

App biometric don't work for me. To remove biometric authentication you need to use biometric authentication. I give up.

I hate the ROYAL BANK OF SCOTLAND! There customer service is horrific! I had the phone put down on me from a women in customers service. Become I asked to speak to her supervisor! As I had EUROPCAR UK taking money out my bank on many occasions this is the story:
I had parking tickets for a rental car as mine was crashed into and I had a parking permit on that car! So I was told by the council to just save the tickets and when Iv my car back they will sort this out. Now I told this to EUROPCAR TOSSERS!!
But europcar take out for each letter they got for the tickets they charge me £32 points but don’t pay anything to the council but forward it to me!! would when they shouldn’t take any money and just forward to 3rd party and they were taking £32 pounds every time to the total of £128. Now the bank promised me I’d not have this again as they agreed they should not be doing this and they put a stop to it!!! And the bank gave me £30 back for £96 europcar taken out. NOW THIS IS THE BANK AND THEY CANT STOP THE MONEY?? anyway £30 I got back from the bank as a loyalty! Anyway they allowed them again today to take £32 out of my account! So I rang them asking to why this is when you told me it wouldn’t happen again! They gave me no help that the BANK can’t stop this going through!! Omg this is the bank telling me this! So I said I want to change my bank car details for new! So he put me through to this department who said they can’t do this as it’s my number!! Omg is this really happening?? I’m thinking! So I said so what do you do if someone steals my card you still can’t do this!?? so I asked to close my account as I feel lied too and no help what’s so ever to stop this money coming out my account!! I feel so let down by my bank!! and she said to go to a branch! Anyway I asked to speak to her supervisor to ask about changing my bank details to stop any further transactions by europcar as I feel Iv to do this because my bank isn’t helping in anyway!! I feel so let down and depressed. and she put me on hold and the line went dead. a min later!! I’m shocked and depressed as I was lied to the first time I rang about this hanging up the first time thinking my bank will help!! And I look at my online banking and there there again steeling money out of my account! And my BANK CANT HELP ME!! What is our life’s coming too when your own bank you have faith in can’t stop someone taking money out of my account. But someone does it in the next country and the would change my bank details and try and get my money back!!!
I’m lost 😞

What a joke!! All there adverts saying we come first and there happy to help and they can’t help money stopped by some THIEVES LIKE EUROPCAR UK! I’m so angry with the bank I’m closing it at the branch and going back to Abby national who do help

I have been a customer of royal bank of Scotland for many years and always found them to be a great company to bank with. However, over the 3 or 4 years issues have arisen that make me question my loyalty. Every year I spend the summer in Cornwall. Abs fir the last 3 of 4 years fir a reason that has yet to be explained after being here fir a week or so my bank card stops working in cash machines, then the contactless function stops working. Last year when it happened you cancelled my cards mid-summer and sent the new ones to my home address 400 miles away. It has begun again this year, I register my complaint and I haven’t even had a response. I guess all things come to an end. It is a shame that the people who work there are let down by systems.

Fantastic bank. The app and online banking is so easy and simple! I rarely have to call because it’s so easy online to do all that’s needed. I know people complain about there being no branches but ultimately, it’s a business and needs the branches to make money to stay open. I wouldn’t dream of every changing bank, staff are always helpful and they are always striving to do better. I’ve had financial products with other high street banks and they don’t have a patch on RBS.

This app is rubbish it will not let you approve transaction, when you try it gives a error service status page then u can't use the app, untill you uninstall and reinstall it ,I've been onto RBS three times they are hopeless , changing my accounts to another bank after being with them almost 40 years

There is a 90% chance that your simple tasks of making payments / signing in online / getting help from staff... and all basic stuff will not work and go wrong!

I deeply regret changing to this bank, and there is nothing I can do about it! They would not help, no review makes any difference and my time is constantly wasted on fixing basic stuff with rbs. RUBBISH!!!!!

Just had dealing with them over the company they sent out to me for my emergency plumber insurance. They supply this service but take no responsibility when thing go wrong left without a working toilet because of incompetence. I had to sort it out on my own. If you see RBS STEER CLEAR U/LESS!!!!!!!!

It took 4 hours to order a cheque book using their online chat. One hour between each response - it is pathetic!

Works ok but a little too well for security!
On my PC I have to input so much info to login & even after that I have to go thru a lot of crap with a card reader & pins etc.
So, the mobile app is too easy to hack if you get phone stolen but desktop is too much hassle even tho its highly unlikely to be stolen!

4 weeks ago RBS took over £100,000 out of my account without authority. leaving what should have been in healthy credit massively overdrawn

I couldn't get cash.
Direct Debits failed.
RBS failed to help.

I complained and got the impression that I was being a nuisance and that they honestly didn't give a damn. 4 weeks on that hasn't changed. No apology. No explanation. No offer of compensation. No replies to emails.

It takes quite a lot to alienate over 45 years of custom ( yes, I've been with them for 47 years....) this thoroughly, but they have managed it. I wouldn't trust them to run a bath, let alone a bank.

I put a note on my debit and credit cards that I was going to be using them in South korea for a month. The day I land they blocked my cards. I currently owe my fiance £2000 got to love them. Ps, I messaged them for 12 hours and I kept getting the same response "there is nothing we can do"

Appalling service. 50 minutes wait for a call to be answered then cut off by operator. Robot chat refers you to Indian chat centre, transferred 4 times (20 minutes), outcome - given incorrect contact details. Might be a good choice of bank if you have unlimited time and patience, otherwise try elsewhere.

Useless. I switched my bank account and moved my money from my savings so my savings would be completely empty. My main bank account then was closed and they are refusing to close my savings without me visiting a branch as it’s the only bank account I have them! They have been unhelpful and difficult to reach as I continuously have to go through a robot to contact them even halfway through a conversation. There’s also isn’t a branch close to me.

Scum closed my branch office. Cheltenham branch closing too. Declined my debit card transaction.

I've never had a bad or even a poor experience with RBS.
Excellent service, great savings rates and current account rewards.
App is a dream to use, spending message appears immediately on my phone and customer services go the extra mile in a cheerful friendly and professional manner.
5⭐ bank.

I call it TOXIC not RBS tried using my Debit card today to pay and TOXIC block,blocked, blocked again phoned RBS for help got through to call centre guy who left me holding then rang off nice TOXIC. PS watch your accounts just been paid £2.05p for an £20000 ISA for a years interest Good old TOXIC does it again 🤬🤬🤬

Made an account switch to.rbs this April and they never paid me the reward money they promised when you do the switch...i completed all the necessary steps and still not received any reward!!!!!!!!

Was having a nightmare trying to get a RBS charge lifted from a property I am trying to sell. Paid off the loan 12 years ago and rbs still hadn't released the charge. The 5 stars are for a fantastic member of business banking customer service, Waheeda Khatun.she was wonderful, in 4 months of stress and being passed from pillar to post, she was the only member of RBS staff who was really concerned to get this sorted out for me. Thankyou so much Waheeda, you were so kind to me and all your efforts did the trick