Lloyds Reviews 

Very expensive insurance for a second home in Italy. Due to a hailstorm our roof and solairpanels, furniture have been destroyed. 9 weeks later still no “ decision”. The house is at risk, we were fully insured.. all they are trying is to pay as less as possible based on incorrect assumptions. Despite all the documentation that has been provided, including Video of roof. It is a shame, it is already shocking enough to experience the storm.. and in follow up your insurance is behaving so poorly and respectless. They need 4 middle man .. no wonder the premium is so high. And not much you may expect. And this for a known big insurer as Loydds..

Had an issue with on line purchases after transferring from Halifax to Lloyds regarding unable to make purchases on line with bank card - went in to local branch and after A lengthy phone conversation with customer services a complaint ( there terminology not mine) was made
After several weeks had a call from complaints manager who was extremely courteous and polite but closed the complaint / said it was resolved by sending me a new card so whilst I hope this works ok but if it doesn’t then I’m back to square one calling customer services and waiting another 6 weeks to be contacted ( looks like a general customer services number on resolution letter)
While I understand things have to be resolved , in my opinion the case should’ve been left open and not closed until it has been verified and that the new card would work then by all means call it resolved but you should make sure first - I suggested this but suggestion was flatly refused - very disappointing after 50+ years of custom - could not even tell me how verification should have been made on line - blamed technical issues even though purchase was completed immediately after several failed attempts using a different card.
In my opinion my request for help was not being uncooperative or just moaning I would have liked to make sure that my new card worked without having to spend hours on the phone again - issue should have remained open until confirmed that it was definitely resolved.
NC15442533

What a terrible mistake Lloyds have made to outsource their pension service to WTW. They have made taking our pension pot out so difficult it has put us into financial hardship. They have lied constantly to us about letters being sent and calling when they havent. We are still fighting to take it out as they just put obstacles in the way all the time. They are incompetent and the service is shocking. Please look at their reviews on Trust Pilot. I have banked with you since I was 16 and you have really disappointed me.

So Lloyds bank blocked my card after numerous problems with their banking App. I was automatically switched to Lloyd’s from Halifax bank which was also extremely troublesome. Everytime I call Lloyds bank the agents feed me a web of lies and deceit My next move will be to visit their headquarters in London then they will be able to lie to me face to face.

Used to be good like most brick and mortar banks
Now it’s pop ups and internets banks. Only problem is NO HUMANS
This world and personal service is finished!!

"If you forget your internet banking password, the bank effectively locks you out for up to 10 days while deciding to send an activation or encryption code by post. In today's digital world, it's astonishing that a multimillion-pound bank has no faster or more secure way to verify a customer's identity and restore access. The process feels unnecessarily punitive rather than customer-focused, and dealing with the call centre has only added to the frustration. Obtuse .

I am extremely disappointed with my recent experience with Lloyds Bank. Due to a system error on the bank's side, £500 was incorrectly taken from my account and, at the time of writing, the money has still not been returned. I am extremely worried about my upcoming Direct Debits because this situation remains unresolved.

I have spent days trying to understand and resolve a problem that was entirely caused by the bank. I remained patient throughout the process, yet I was forced to explain the entire situation from the beginning every time I called. It was only on my sixth call that I was finally given a case reference number.

The customer service was particularly disappointing. During my last three calls, I spent around two hours on the phone after returning home from work. That evening was also my husband's birthday, and because I was trying to resolve Lloyds' mistake, we were unable to celebrate as we had planned.

The attitude of one customer service adviser was insensitive and rude. While I was trying to explain what had happened, I felt I was not being listened to. After everything I had been through, the call was ended abruptly. I find it unacceptable that I was first put through days of stress because of the bank's own error and then had the phone put down on me.

I have been a Lloyds customer since 2000, and this is the first time I have experienced such poor treatment. I simply do not expect this level of service from a bank of Lloyds' size and reputation.

Lloyds has offered me £70 as a goodwill gesture, but my main concern is not the compensation. My hope is that Lloyds learns from this incident, improves both its systems and customer service, and ensures that no other customer has to go through the same experience.

I had a Lloyds credit card. It is the worst credit card I've had in years of holding many accounts, and I've just cancelled it.



The core problem is an overly aggressive fraud prevention system that makes the card functionally unusable. Routine transactions — buying on Amazon, contactless payments in stores, standard online purchases — are blocked at random, with no explanation. Every time this happens, calling Customer Service means 20–30 minutes on the phone, passed between three agents, and subjected to repeated security checks, just to approve an ordinary purchase.
The Apple Pay issue was the final straw. Adding a card to Apple Pay takes seconds and works flawlessly with six of my other UK credit cards. With Lloyds, I spent another half-hour on the phone with three different people, only to be told it couldn't be added because my iPhone region is set to the United States — despite this being a UK card used in the UK. That's an absurd and entirely avoidable limitation that no other card issuer seems to have.



I've cancelled my account and won't be using Lloyds for anything again. If you want a card you can actually use for everyday transactions without constant friction, look elsewhere.

Outdated Site.

A lot of things are hard to do or outright impossible and need customer service even blocking transactions.

After explaining my situation several times to the bank my issue wasn’t solved I didn’t receive product and money was taken out of my account a real poor show

Disappointed by Lloyd’s. 0-10 bank

money missing from my account have made numorous complaints bank no help , and acting guilty !

Having paid Bikesure/Lloyds£124.48, 25/11/25 and cancelling today as the classic bike has been sold only 5 months into the 12 months ofcover, I was disgusted to be told the refund was zero.

This total rip off ably demonstrates what level of greed exists in the insurance industry.

Shame you can't award zero stars to match their profiteering cynicism.

I’ve had a very frustrating experience with Lloyds Bank regarding a disputed payment where the services I paid for were not delivered.

Despite submitting all the required evidence multiple times through chat and support channels, I was repeatedly asked for the same information again and again, with no clear progress towards resolving the issue or issuing a refund. It feels like the information provided is not being properly reviewed or acted on, which has made the process unnecessarily long and stressful.

The lack of consistency in communication and the inability to move the case forward has been particularly disappointing for a major bank. I would expect a clearer process, better case handling, and more efficient resolution when customers submit complete documentation.

I hope this feedback leads to improvements in how disputes and refund claims are managed, especially around ensuring customer evidence is properly tracked and reviewed the first time it is submitted.

I am fortunate in that I have never been out of work or had any financial problems, and have an excellent credit history. That is not good enough for Lloyds whose automated security algorithms have twice stopped me from buying something with my Lloyds so-called 'Ultra' credit card, and then blocked the card. This is despite using 2 factor authentication and the items taking my balance to less than my credit limit. This is extremely annoying and inconvenient, particularly when they don't bother to inform of what they have done and the card doesn't work when you next come to use it! I had to call THEM in order to unblock the card. This was even after I had called them the day before to inform them that I was about to make a purchase of several thousand pounds. They say they are protecting me from fraud (non- existent in this case) when in actual fact they are only protecting themselves. In most cases of fraud customers are refunded.
Goodbye Lloyds - never again!

they are horrible criminals, stealing money, changing my address without my permisson, closed my account and keep my money..be carefull , this bank is scam,its horrible criminals!! customer service is absolute noncese, they are not helpfull at all, they are rude, they do things u dont ask them! horrible criminals!!

Using Lloyds is simple and customer support is fast to support you

Got great and clear service from Ms. Jayeeta, she helped me deposit a check for the first time in a clear manner for me to understand, nice positive energy!

Professional Scammers, stay away!