Posts Tagged ‘Customer Service’

Finally Done With TD Bank – Thank God!

Saturday, January 9th, 2010

America’s Most Miserable Bank (a.k.a. TD Bank) officially has one less customer as of this morning. As I’ve chronicled on this blog a few times, I’ve been transitioning my direct deposits and direct debits out of TD Bank ever since they bungled the merger of TD Banknorth and TD Bank’s online systems back at the end of September. In reality, I probably finished transitioning to Central Jersey Bank at some point in November, but I decided to keep the TD Bank account – just in case I needed it for something.

My thought process was, “Hey, you never know, right?”

Apparently, I was too idealistic. The fact is that TD Bank has absolutely destroyed whatever good will existed between the company and its old Commerce Bank customers. In fact, while looking through my online account, I found the following message that I sent back in October…which has still gone unanswered.

October 1, 2009
When will my account be updated via the online interface again? I have not been able to see my real-time account information for a few days and that is unacceptable. I need to know what my balance is and whether or not my direct deposit for my paycheck hit my account yesterday. I have automatic debits coming out of this checking account today and tomorrow that absolutely must be honored.

I’ve tried calling the customer service lines and they’ve been disconnected, which is unacceptable. At this point, I am exploring checking account offers at other banks. This is not the level of customer service that Commerce Bank was built on and that I grew to enjoy from that bank. If this is how TD is going to run its operations, then I don’t see myself being a customer of this bank for too much longer.

In the year 2009 and almost 2010, this is completely unacceptable. TD Bank ought to be ashamed of itself.

Well, TD Bank certainly wasn’t ashamed of itself for that blunder. In fact, they began treating their clients worse and worse, which brings me to my latest (and final) online interaction with this horrible, customer unfriendly bank. These guys changed the type of account that I had (without my consent) and began charging me whenever my account dipped below $100. Take a read of the message that I sent to TD Bank a few days ago.

January 7, 2010
Why am I constantly charged a $15 fee when my account goes below $100? That is absolutely unacceptable. I have accounts with a local bank, Bank of America, and Sovereign Bank in addition to TD Bank and yet TD Bank is the only one that charges this absolutely unacceptable fee.

Please refund this fee immediately. I am at the point where TD Bank’s consistent unacceptable treatment of its customers is making me want to close this account.

I thought that was a pretty tough statement – straight and to the point. I figured that TD Bank would respond by saying something that was customer friendly. Instead, I received this message.

January 8, 2010
Thank you for contacting us.

On September 25, 2009, your account was changed to the Convenience Checking, which has a $100.00 minimum balance requirement to avoid a $15.00 fee. Unfortunately, we will no longer be offering a free account. However, we do have other options that may better suit your banking needs. Our Value Checking does not have a minimum balance requirement. This account has an automatic $3.00 monthly fee and allows 8 checks written per statement cycle. Each check written over 8 per statement has a $0.50 charge.

This information was mailed in August and outlined what your account type would be changed to.

We encourage you to review other products that we currently offer, as you may find that we offer an account more suitable to your needs.

This fee is not an error and cannot be reversed.

If you have any further questions, please contact us via email or call 1-888-751-9000 to speak with a Customer Service Representative, 24 hours a day, 7 days a week.

Regards,

Eric
TD Bank On-Line
E-mail Specialist

Seriously… that’s what they sent me. They sent that to me – a guy who has been a customer of this bank for about a decade, a guy who has never EVER bounced a check, a guy who consistently has well above $1,500 in his checking account. Why was my account below $100? Because I was transitioning my direct debits and direct deposits out to Central Jersey Bank – and I’m glad that I did! I’ve had enough of the shameless nickel and diming that goes on at TD Bank. When you combine this nickel and diming with the bank’s absolutely pathetic approach towards customer service, how can anyone remain a customer of this institution?

I responded to the message above with the one below.

January 9, 2010
I’ll be closing this account on Saturday. TD Bank has ruined Commerce Bank’s reputation in New Jersey.

And that’s that. I closed my account earlier today and I am so glad that I did. TD Bank got their $15 as I saw my way out of being a customer. I hope those measly $15 were worth losing an outstanding customer (who happens to have an online vehicle to write the type of annoyed, fed-up article that you’re reading right now…which will be online in perpetuity). Enjoy the $15, TD Bank…because I’m going to enjoy bashing your pathetic company for the rest of its sorry existence.

Scanning Through Search Engine Results… Weird…

Monday, November 30th, 2009

One of the great things about running a website (or, in this case, a blog) is seeing how your readers get to your site in the first place. I know that I have a lot of family and friends that read my blog (thanks guys!), but the majority of my hits come from search engines (thanks Google, Yahoo!, and the rest!). As a webmaster, I am sometimes baffled by the search terms and phrases that bring my readers to me. In fact, I thought I’d look at the last five search phrases that brought some of you to this website.

Please note that I’m not looking at the top five most popular search terms – that would be a different entry altogether. I’m looking at the last five search phrases that landed someone on JerseySmarts.com. It should also be noted that the last five search phrases brought readers here from a Google search engine.

Searched Phrase: terry weldon new jersey 2009
Ah. Nice one. For those of you that don’t know, Terry Weldon is the former (scumbag) Mayor of Ocean Township in Monmouth County. He was also a public employee of the City of Asbury Park. This man is as corrupt as the day is long. The JerseySmarts.com page that this searcher landed on talked about how Terry Weldon was the epitome of a scumbag.

Searched Phrase: comcast customer care number
Over the summer I had some issues with Comcast’s customer care. Something wasn’t quite right when I was looking for FOX News HD on my cable box. You can read what this particular searcher found on JerseySmarts.com by clicking here.

Searched Phrase: diet books for men
It was only a few days ago that I posted my review of The Eat-Clean Diet for Men. In case you missed it (or in case you can’t scroll down the screen here…), feel free to head on over via this link. I’m probably the happiest about this particular search phrase because it shows that the content that is placed on JerseySmarts.com quickly rises up the ranks in the search engine world. You listening to that, advertisers?

Searched Phrase: guys trip to nashville
Every once in a while one of my entries has something to do with an event that someone else is planning. Clearly, this searcher was looking for ideas for a trip to Nashville for he and his buddies. Well, when he Google’d this phrase he landed on JerseySmarts.com and an entry that I uploaded over the summer reviewing my most recent trip to Nashville.

Searched Phrase: roxbury high school football
Go Gaels! A few days ago I made it very clear that, as a member of the 1998 State Championship football team from Roxbury High School, I am completely behind the current team as they prepare to play against East Orange Campus High School this weekend at Giants Stadium. I know that I speak for the entire 1998 team when I say good luck! Many of the guys will be in the stands and we want to see that state title come back home. The guys on the current team have made all of Roxbury Township proud with their excellent performance this season. We’re all pulling for them to win the big one this weekend and they can definitely do it!

Whoever searched for that term found my congratulatory post to the current team (as well as some pictures of me from when we won the state championship 11 years ago) when they landed on the page linked here.

And there you have it – the last five searched phrases that brought some of YOU to JerseySmarts.com. If you happen to be someone who landed on this page thanks to Google or another search engine, please feel free to leave a comment telling us what you were looking for and if the search engine that you used gave you the right answers.

Unnecessary Complications: Do Your Job The First Time!

Wednesday, July 1st, 2009

Folks, I could have called this problem coming a mile and a half away. Anyone who has ever dealt with a cable company, cell phone company, regular phone company, etc. has dealt with this problem or one similar to it. Before we start, a message to Mark Casem – if you’re out there, you may want to read this one. Here we go…

My promotional rate for the bundled Comcast services that I am subscribed to (cable, internet, and phone) was expiring at the end of June. On a separate, unrelated call (one of the cable boxes in the house went down), Comcast advised me to contact them to get a new promotional rate for the coming year. I thought that was nice of them to give me a head’s up, so I made the call.

I must have called two or three weeks ago and they verified that my promotional rate was expiring and that I was eligible for a new promotional rate that would actually lower my total bill by $15 each month. That’s not bad! However, this made my the synapses in my mind start to go off because we’ve all dealt with this problem: you change your service in the middle of the month and the service provider winds up double and sometimes triple charging you which launches your next bill into the stratosphere. Nobody wants to deal with that for two reasons. First, it’s extremely annoying and everyone hates getting annoyed. Second, when you contact the actual service provider, 99% of the time you’re stuck on the phone with a person who has a script and is required to stick to it. Talk about doing anything but providing service!

Yet, to Comcast’s great credit, the woman on the phone must have anticipated this problem and suggested that she was going to make the changes effective for the next billing cycle. SWEET! There goes that headache and now all was in place for the next bill to come in. Or so I thought…

The woman on the phone told me the new monthly charge (something like $157 per month) and I thank her for her time. It really was a pleasant ohone call and a pleasant process. Until I received my next bill.

Ugh…

Not only are none of the changes that the woman talked to me about reflected on the bill (as they should have been), but the total monthly bill is $210. TWO HUNDRED AND TEN DOLLARS?! That’s $38 MORE than what I was originally paying!

I took a look at the bill and nothing that I talked to the woman about was reflected. Not a thing. Do you know how frustrating that is for a consumer? I spent half an hour of my time on the phone with that woman and NOTHING that we talked about was processed. Come on! I mean what? Is my time worth nothing?!

At this point, I did what any consumer would do – I picked up the phone and made a call to 1-800-COMCAST. This was a useless move. After 10 minutes of not getting anybody on the phone, playing the “Press X for…” game, and listening to crappy music while I was on hold, I hung up and went to Comcast.com to use their live chat. Now, to prove that I can say “good job” when it is well-deserved, let me say that Comcast.com’s live chat is excellent.

After signing on, a very nice live chat woman named Siena Rose answered my request in a matter of seconds. She was extremely pleasant and, if you want, you can read our entire conversation by clicking here. The end of this part of the story is that I had to call the local office in order to get the changes made on my account that I was told were made weeks ago. If you click on the transcript of the discussion above, you’ll note that as pleasant as Siena Rose was on the live chat, I did get very offended when she went to an obvious “copy and paste” tactic at the end of the chat. In short, she suggested that I can now consider my issue resolved when it was clearly not resolved. I didn’t like that. Read the transcript – you’ll see.

Oh joy, I get to call the local office. More of my time spent on something that should have been done weeks ago.

The next day rolls around and I call the local office. After playing the ridiculous “Press # for…” game and sitting on hold for 12 minutes, I hang up. Great, now I have to call the NEXT day. In other words, I have to take time out of MY WORK DAY to tell the local office that they made a mistake and that they need to fix it. At this point, I’m beginning to get enraged because I know exactly what’s going to happen – I’m going to request a new bill be generated erasing the false $210 bill and the local office isn’t going to do it. However, I learned once that you shouldn’t get mad at things before they happen, so I choose to simmer down before I make the call on Monday (during my work day).

Up until this point, I’ve spent almost an hour of my time trying to fix a mistake made and admitted to by Comcast. What do I get for this? If I made a mistake with my payments (which would never happen), Comcast would get a late fee. Where is my equivalent of a late fee for the mistakes that Comcast made and the loss of an hour of my personal time?

Instead of waiting to call the next day – during my work day – I decide to call 1-800-COMCAST to see what they can do. After about a minute on hold, some guy answers and asks me how he can help. I tell him my problem and he says that he can put me through to the local billing department, before I get a chance to say that I’ve been waiting on hold with them for 12 minutes already today – he puts me through. The same familiar, aggravating elevator music pops onto my phone…

Now I want to put my fist through someone’s face, but I’ve decided instead to calm down the rage and wait on hold (again). As I wait on hold, I begin writing this post so I don’t forget any of the absolute ridiculousness of this situation. After another 12 minutes on hold, I give up and realize that I’m going to have to make this phone call the following day from my office. That’s completely unfair, but what choice do I have?

Monday morning rolls around and after waiting on hold for a few minutes, I’m on the line with a customer service representative at Comcast. Here comes another dreadful moment – having to re-explain everything all over again (which I do as pleasantly as possible). The woman on the phone (didn’t catch her name) has no idea what I’m talking about and tells me that the reason why I have the wrong charges reflected on my bill is because I made the changes on June 27th and my billing dates run from the 20th of each month to the following 20th.

Ugh…

I explain to the woman that I called on June 15th to make the changes (she gets more confused) and that my billing period is the actual month itself. In this case, we’re talking about July 2nd through August 1st. This is met with a, “Wuhhh…uhhh…” Super! I tell the woman on the phone that the live chat specialist told me she made extensive notes in my account and that she should take a look at them. The woman on the phone, again, says that this is all confusing.

Great.

She asks if she can put me on hold, to which I say yes. After six minutes on hold, she comes back on and tells me that no changes have been made to my account…newsflash! She also said that she was going to transfer me to an account manager (how do you get the phone number to talk to an account manager directly?). An account manager named Marissa gets on the phone and goes over all of the issues with my account. She immediately sees all of the issues and I’m telling you – within a matter of two minutes she had everything fixed. She put me on hold for a few minutes and when she came back on, she reviewed my bill with me and I left a happy customer.

Before the end of the call, Marissa told me what the new amount was for the bill. I asked her again, “If I pay this amount, there won’t be a notice that I haven’t paid the entire bill or anything, right?” And she said, “No, like I just told you – this is how much you have to pay.” So I reminded her that I was told one thing on June 15th and something completely different on June 27th. She understood, apologized again for the oversight, and commented that I only had to pay the amount that she quoted me. In fact, she gave me her name, service number, and told me her location in case I ever had another problem. I thought that was a nice touch.

Whoever Marissa is in the Comcast organization, she should be given a raise. Every other step in this process was miserable except dealing with her. The most annoying part of the entire process (besides losing a few hours of my time and getting aggravated) was that I had to keep repeating myself and repeating the story.

Now let’s see if what Marissa says holds true when I go to pay my bill. I will be sure to let you all know the outcome!

Comcast Customer Service – Not Quite Right

Sunday, June 14th, 2009

While I was flipping around the channels on Friday evening, I noticed that among all of the new high definition channels that Comcast has made available to me, I didn’t see a FOX News HD station. I thought that was weird because I know that Cablevision and the satellite television companies offer the channel so for it not to be available on Comcast – something must have been up.

I logged online to access their e-mail support (because there’s no way that I was going to sit on hold to call someone to ask about the channel). After having to enter every single bit of information that they could possibly ask me outside of my social security number, I submitted the following question to Comcast:

When are we going to get the FOX News Channel in High Definition? All of the satellite companies, FiOS, and Cablevision offer it in this area – when are we getting it on Comcast?

Short, sweet, and to the point – you know? Comcast generally gets back to their customers within 24 hours – this is the response that I received (name changed to protect the helpless):

Dear Joe,

Thank you for contacting Comcast.

I understand you would like further information regarding the addition
of Fox News HD to your Comcast channel lineup.

Our goal is to provide a wide choice of quality cable networks and local
broadcast channels reflecting the diverse programming interests of our
customers. In addition to requests from customers, the following
factors play a part in our decision making process:

· FCC regulations, such as requirements to carry all local broadcast
channels
· Requirement by local broadcasters to carry their affiliated cable
networks
· The number of access channels required by local government
· Customer satisfaction with networks carried in other systems
· Customer satisfaction with similar networks
· Importance of the network to our diverse community
· Level of interest across a percentage of our customer base
· Per-subscriber programming fees charged by the network versus the
value added to the line-up

What this all means is that we take all requests for new networks very
seriously, and that we carefully consider the overall impact of adding
each network. While we cannot honor every request, we do take each
request into consideration in planning future changes to the line-up.

Sincerely,

Bob
Comcast Customer Care Specialist

If you managed to suffer through reading that ridiculously “customer-friendly” response, you’ll notice that it says absolutely nothing. But not to fear – before I received this response (which was sent a few hours after I sent my initial inquiry), I found FOX News HD on channel 277.

Ahem, Comcast already offers the channel, but I still received a form mail response anyway! In other words, the robotic people who prepare these automated responses don’t even know the services that they offer! So I responded to Comcast – again, short and sweet:

Actually, I found the station on channel 277.

That’s all I needed.

I figured that with such a direct response, a human would reply back with something like, “Oh, great. We have to send out those automated responses, but I’m glad that you found what you were looking for. Enjoy!”

No.

Instead, I received this:

We have received your e mail and thank you for using Comcast’s online
email support. One of our Comcast customer support representatives will
get back to you, likely within just a few hours. In the meantime, you
may find our FAQs helpful to resolve your inquiry so we invite you to
visit http://help.comcast.net. Or, for more immediate attention to your
situation, try “Ask Comcast”, a real time chat service, available by
visiting http://www.comcast.net and clicking on the AskComcast link at
the top of the page. We look forward to working with you.

Sincerely, Your Comcast Support Team

Followed by this:

Dear [My Full Name],

Thank you for contacting us regarding your Comcast cable service.
I’m glad that you were able to find the channel that your were looking
for. If you need further assistance, please feel free to respond
directly to this email. We appreciate you taking the time to contact us.

Thank you for choosing Comcast.

Sincerely,

Jimmy R
Comcast Customer Care Specialist

First of all, I didn’t need the automated “we received your e-mail response,” but I appreciate the sentiment. Second, Jimmy R (name changed) shouldn’t be thanking me for choosing Comcast because I live in New Jersey – which means I can’t choose another cable company even if I wanted to! Sure, there’s Verizon FiOS and satellite, but home rule dominates this state.

And third, shouldn’t Jimmy R – a real human – have answered my first question to begin with? Wouldn’t that have saved Comcast from looking inept in terms of what they offer their customers?

Ah, cable companies. Gotta love ‘em…at least if you live in New Jersey.

Circuit City Closing Up Shop For Good – Duh

Thursday, January 22nd, 2009

Circuit City announced last week that it was closing up shop for good. Put aside the fact that the national electronics chain has been in a financial mess for the last 18 months – anyone watching CNBC or FBN knows that story. What surprises me is that people would be surprised by this news at all.

I’m not sure about the rest of you, but there are two Circuit City stores that I used to frequent and another few stores that I’ve been in and out of from time to time. The main store that I went to was in West Long Branch and while I knew some of the people who worked there a few years ago, I have no issues with saying that the customer service at the local store was horrendous. I’m not necessarily saying that the people who worked at the store were rude, but the local store never had the cash register open. In order to pay for your items, you actually had to stand next to the register in a line waiting to go to customer service to pay! What sense does that make?!

And almost without fail you’d reach the front of the line and the person in front of you would have an issue with the item that they were buying or you’d be caught behind a person who was returning an item in an overly involved transaction. I don’t fault the customers in these situations, but you have to wonder about the quality of the store when these types of things pop up during each trip to the place…

And it would appear that many consumers did begin to question the quality of Circuit City and instead started to spend their ever-scarcer dollars at the bigger box stores like Target and Wal-Mart. But there is another reason why my local Circuit City quickly fell out of favor with consumers…

The prices!

Circuit City was notorious for charging 15% – 25% higher for DVDs and CDs than what you could buy them for at Wal-Mart or Target! And to show you how out of touch the Circuit City people are with both the market and what their consumers want, I went to big liquidation sale at the local store over the weekend and I saw that DVDs were marked down 20%. Are you kidding me? Even after the 20% discount you still wind up paying more than you would by just going to Wal-Mart in the first place!

It’s incredible, really.

And to add an insult to the bargain shoppers, the local store had no price cuts on video games, computer hardware and software, or car radios and speakers. Amazing.

So while I do feel extraordinarily bad for the 30,000 employees who will now need to find a new job, I can’t say that Circuit City closing down is a surprise. They didn’t care about basic customer service, charged way too much for their products, and didn’t stay competitive with the times. What else could you expect from such a company?


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