'Excellent, but at poor customer service' Like most people, i fell victim to multi-layered crypto scam operation using my debit visa card. The money was being circulated to the scam company via a crypto exchange, but still using Lloyds services. When i made a chargeback to the disputes team using the evidence i had, i was spoken to very aggressively and was told: 'NO, no you have to bugger off and go to the crypto exchange'. I was shocked i had been spoken to like this. After the above, i made an official complaint and was dealt with my by the complaints manager of Lloyds Bank. Would you believe that she told me the following: 'Yes, i think this is a scam but this is a lot of money you lost; We (the group) do not have this kind of money'! ... i was shocked at their service response despite having evidence presented to them in a very professional manner. ME: I then responded saying: 'how can you say you have no money to refund the customer'? ME: After this, i was was very furious then told them 'what if the ombudman service tell you to refund me the scammed money i lost?' Lloyds complaints: 'Well, if they say then, yes, we will reimburse you the money'! This was the unprofessional service I had received from the complaints department despite having a Crime reference number by 'UK Action Fraud' and evidence presented to them of the scam company. 6 months after the above telephone conversation i had with them, Lloyds bank got fined a record £90.5 million for misleading insurance customers....it bloody serves them right to tell me that 'we do not have this kind of money'! Its been two years this month that ive been suffering, so my only hope now is the ombudmans service and that they get it right! So, yes, 'Excellent, but at poor customer service'.