Fees: A post from another madhouse customer taken from "Not good enough"
Also in my experience they are very keen on fees
This goes back a few years but I ditched my St George credit card and refuse to have anything to do with the bank (despite being with it in its different forms since childhood). The reason: one month I had only spent $10 on my CC and accidentally paid it one day late.
Because I was one day late in paying off my $10, I was charged a fee of $25!!! After much complaint on my part as to the fairness of being charged a fee 2.5 times higher than the amount that I owed on my CC one day late, and having some revolting girl from St George try to make me feel like paying a bill one day late is a heinous crime and that a $25 fee is the least I could expect, they finally agreed to "generously" charge me a fee of only $12.50. I "eagerly" agreed and asked them to close my account at the same time as I definitely wouldn't be needing it anymore.
Source
More on the nonsense that the high fees bear any relation to the costs incurred by the bank here
Monday, September 29, 2008
Tuesday, May 20, 2008
TO: John Curtis, Chairman, The Kogarah madhouse, 20 May 2008
Dear Sir,
This is the third letter I have written to you in connection with my new St George Visa card. I am getting the strong message that you do not want people to use your cards. I am writing to you because I think it needs to be known at the highest level how your bank treats your customers.
I note initially that the card was delivered to me by Toll Priority -- presumably in the hope of a prompt and secure delivery. The delivery was neither prompt nor secure. You sent it out in the middle of last week but I found it dumped outside my door this morning (Tuesday). Their ref is TATL 1362557 and 0025F370Z3. I suggest you ask for your money back.
But that is only incidental. The real problem, as always, is with your phone hotline. I had to ring it to activate my new card. Alas! I knew from past experience that I was in for trouble.
The first time I rang, all I got was a robot. I did all I could to follow the robot commands but was told that I had got some number wrong and to start again. I note that the robot did not explain what the three different numbers were and where to find them on the card. The first one was easy and I figured the second one by looking closely at the front of the card but the third was quite a mystery. I found some numbers on the back of the card and entered them but who knows if that was what was wanted?
Anyway, I am a patient person (would I still be dealing with St George if I were not?) so I tried again:
The second time I rang, the phone went immediately to an engaged signal.
The third time I rang, the system went dead after I had entered the menu number
I think three tries should be enough, don't you?
Please get a human being to call me on 07 33914168 and have them activate my card
I note that the letter with the card says that I should have received a "Welcome Pack". I have not. Perhaps Toll have that too.
Visa card 4564 5777 0382 **** refers. [Full number given in actual letter]
Yours amazedly
(Dr) John Ray
Dear Sir,
This is the third letter I have written to you in connection with my new St George Visa card. I am getting the strong message that you do not want people to use your cards. I am writing to you because I think it needs to be known at the highest level how your bank treats your customers.
I note initially that the card was delivered to me by Toll Priority -- presumably in the hope of a prompt and secure delivery. The delivery was neither prompt nor secure. You sent it out in the middle of last week but I found it dumped outside my door this morning (Tuesday). Their ref is TATL 1362557 and 0025F370Z3. I suggest you ask for your money back.
But that is only incidental. The real problem, as always, is with your phone hotline. I had to ring it to activate my new card. Alas! I knew from past experience that I was in for trouble.
The first time I rang, all I got was a robot. I did all I could to follow the robot commands but was told that I had got some number wrong and to start again. I note that the robot did not explain what the three different numbers were and where to find them on the card. The first one was easy and I figured the second one by looking closely at the front of the card but the third was quite a mystery. I found some numbers on the back of the card and entered them but who knows if that was what was wanted?
Anyway, I am a patient person (would I still be dealing with St George if I were not?) so I tried again:
The second time I rang, the phone went immediately to an engaged signal.
The third time I rang, the system went dead after I had entered the menu number
I think three tries should be enough, don't you?
Please get a human being to call me on 07 33914168 and have them activate my card
I note that the letter with the card says that I should have received a "Welcome Pack". I have not. Perhaps Toll have that too.
Visa card 4564 5777 0382 **** refers. [Full number given in actual letter]
Yours amazedly
(Dr) John Ray
Friday, May 2, 2008
TO: Chairman, St George Bank, 2 May, 2008
Dear Sir,
The incompetence of your credit card staff has just reached a new low. I have now TWICE asked for the name appearing on my Visa card to be changed. And yet again I have received a card with the name unchanged. Is there anybody there with half a brain?
Please get them to have a third go at this. Is there really anybody at home in that department? Your bank is beginning to make the government look efficient. I note that the latest card issue was supervised by one of your senior people in response to an earlier request from me. Maybe it is a requirement for getting a job at St George that the person has to fail an IQ test. Are YOU happy about this vast and wasteful inefficiency?
I enclose both cards as I do not wish to use them.
Yours faithfully,
Dr John Ray
Dear Sir,
The incompetence of your credit card staff has just reached a new low. I have now TWICE asked for the name appearing on my Visa card to be changed. And yet again I have received a card with the name unchanged. Is there anybody there with half a brain?
Please get them to have a third go at this. Is there really anybody at home in that department? Your bank is beginning to make the government look efficient. I note that the latest card issue was supervised by one of your senior people in response to an earlier request from me. Maybe it is a requirement for getting a job at St George that the person has to fail an IQ test. Are YOU happy about this vast and wasteful inefficiency?
I enclose both cards as I do not wish to use them.
Yours faithfully,
Dr John Ray
Saturday, April 19, 2008
TO: John Curtis, Chairman, St George Bank, 19 April, 2008
Dear Mr Curtis
I wonder are you aware of the repeated frustrations that the bank imposes on its customers?
I am the holder of a St Geo Visa a/c no. 4564 5777 0382 ****. [Full number given in actual letter] I left it unused for some years after previous bad service but I have started using it again in recent months.
I recently received a notice that the card was about to expire and would be reissued. In response I rang your helpline and was lucky enough to get to speak to someone. I said that I felt it a bit boastful to have my full name and title on the card and asked for the username to appear simply as "J. Ray" on the new card. I was assured that this would be done.
You know what it coming next, don't you? There was no change to the card when I received it yesterday.
So I rang your helpline, again -- and again. Despite a lot of waiting I never got through. So I am writing to you. Are YOU happy with the way the bank treats its customers?
Sincerely,
Dr John Ray
Dear Mr Curtis
I wonder are you aware of the repeated frustrations that the bank imposes on its customers?
I am the holder of a St Geo Visa a/c no. 4564 5777 0382 ****. [Full number given in actual letter] I left it unused for some years after previous bad service but I have started using it again in recent months.
I recently received a notice that the card was about to expire and would be reissued. In response I rang your helpline and was lucky enough to get to speak to someone. I said that I felt it a bit boastful to have my full name and title on the card and asked for the username to appear simply as "J. Ray" on the new card. I was assured that this would be done.
You know what it coming next, don't you? There was no change to the card when I received it yesterday.
So I rang your helpline, again -- and again. Despite a lot of waiting I never got through. So I am writing to you. Are YOU happy with the way the bank treats its customers?
Sincerely,
Dr John Ray
Sunday, May 20, 2007
TO: Gail Kelly, CEO, St George Bank, 9 May, 2007
Dear Ms Kelly,
Please appoint someone of a sound mind to run your card issuing department.
I sent my card back for reissue about a month ago after a merchant "declined" it.
The reissued card is also cactus. See enclosed.
As a St George shareholder I am quite outraged that nobody there seems to give a continental about whether your cards work or not. I am inclined to raise the matter at the next AGM.
I also note that I received no apology for embarrassing me or any other communication after my initial complaint. All I got was the reissued dud card.
Yours etc
(Dr) John Ray
Dear Ms Kelly,
Please appoint someone of a sound mind to run your card issuing department.
I sent my card back for reissue about a month ago after a merchant "declined" it.
The reissued card is also cactus. See enclosed.
As a St George shareholder I am quite outraged that nobody there seems to give a continental about whether your cards work or not. I am inclined to raise the matter at the next AGM.
I also note that I received no apology for embarrassing me or any other communication after my initial complaint. All I got was the reissued dud card.
Yours etc
(Dr) John Ray
Friday, April 20, 2007
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