B of A carries a loan from one of my vehicles. I like to pay off my vehicles early, so I often add an additional principle payment to my monthly payment. B of A refuses to apply that payment to the principle unless I send them a check - you know, like back in the last milennia. They apply it to future interest payments, thereby keeping the very most amount of principle intact. I have called them numerous times and it takes up to an hour to get them to apply it properly. This is just dirty and rotten and money-grubbing. Don't use these folks, they're terrible and hate their customers.

After 14 years with Amex, I had the worst experience. A payment was rejected due to their security system, even though funds were available and confirmed with my bank. Instead of helping, Amex slashed my limits, canceled my card, and restricted both personal and business accounts. No support, no fairness. Loyalty means nothing to them—truly disappointing.

Avoid UOB – Terrible Service and Zero Accountability I had a UOB Lady’s Card which was later upgraded to a Lady’s Solitaire. After the upgrade, I specifically called UOB to request closure of my old Lady’s Card. They assured me it would “automatically close after some time,” but it never happened. Over the course of a year, I kept calling to follow up, and every time I was given the same empty reassurance. Fast forward one year — UOB double charged me annual fees on both the old Lady’s Card and the Lady’s Solitaire. When I called to complain, they finally processed the closure of the Lady’s Card — but flat-out refused to waive the Solitaire annual fee, even as a goodwill gesture for their mistake. To make matters worse, there was no apology, no compensation, and plenty of rudeness from their staff. If this is how UOB treats customers after their error, I would strongly advise against banking with them or using their credit cards. Irresponsible, unprofessional, and utterly disappointing.

Online banking is available at Sampath Bank. For routine transactions, like reactivating an account, customers requested to visit the bank counter. Customers' valuable time and money are being wasted by an online platform that offers communication capabilities.

After over 25 years of sending my debit card renewals to my correspondence address Lloyds sent my last one to my residential address without giving me a reason after several requests. After cancelling the card they sent to the wrong address I received a card, but it was the cancelled one. I was assured an active card was sent the day before the cancelled one was??? It must be a problem with the post, I was told and asked to wait further. I did and a card never arrived after ten days, they said I should wait longer and after 15 business days I had to cancel it. I requested a new card and five days later, the usual time a card takes to get delivered, I received the second cancelled card! You get better service from a third rate second hand car salesman. I requested yet another card Wednesday 23rd July 2025, now overdue. No doubt they will make me wait until I have to cancel it then send me it to repeat the process. I have no idea why they are called a bank. They appear to wait until I cancel a card before they send the the worthless piece of plastic to me.