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Sainsburys Bank Reviews

1.8 Rating 360 Reviews

19 %

of reviewers recommend Sainsburys Bank

Company Reviews

1.8

Based on 360 reviews


Customer Service
Communication Channels	Telephone, Email
Queries Resolved In	Over A Week

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Anonymous

Anonymous // 01/01/2019

Filter: Helpful None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Raised a section 75 request due to cancelled flights (Covid19) over 3 months ago. Several calls and messages later, and despite returning all evidence requested, Sainsbury’s bank still haven’t refunded money. Service is dreadful. No progress reports provided. It seems customer service is based upon giving the customer the runaround as much as possible. Do not use this company!”

Posted 3 years ago

“can't log into online banking, it gives you 5 seconds, by the time it's come up on screen, and youv read what order to type your password in, it's timed out,,,, iv reported this lots of times,,, after end of year interest, I'm leaving,,, its pathetic”

Posted 3 years ago

“Credit files have not been updated correctly and to my knowledge customers have not been informed about the internal issues / delays in updating. I appreciate the bank has lots to do at this critical time. However, I remain up to date on payments and made a lump sum to reduce the balance 3 months ago, but it is still not showing with the credit service equifax. The first customer services person I spoke to at the bank, blamed equifax and sent me to raise issues with them, the second (on the same day) confirmed that there WAS an issue at the bank. The second officer was courteous and 'may' be able to sort the issue, but there are no certainties and no time frames could be provided. This is clearly an issue that has got away from the bank and it does not have the personnel / facilities to deal with it. Not good.”

Posted 3 years ago

“Dreadful company - had a credit card called to set up direct debit they didn’t action it fell into a late payment made me set up an agreement to pay £200 per month and out defaults on my credit account. Complained and told get in with it so went to ombudsman who found in my favour, told to remove defaults Sainsbury’s are not - my credit score is falling every month! DO NOT USE THIS COMPANY, customer service or complaints team are shocking, now taking legal action maybe they will respond to a solicitor?!”

Posted 3 years ago

“Awful awful awful!! Tried to pay my credit card and got some rubbish about my username !! No reset absolutely dreadful avoid at all costs!!”

Posted 3 years ago

“I took out a loan back in 2016. All ok until this covid thing - I simply can not speak to anyone - they keep sending threatening letters, When I phone the number they give 0800 08506953 the automated system does not recognise the account number and the system says they can not take the call right now - I have been trying to get through since 26th March - it is now 14th April. I am now trying 0808 1450379 - found online via the website - it's now saying I'm on hold - but is keeps saying it's Halifax. Sainsburys - stick to selling food. My advice is avoid totally.”

Posted 4 years ago

“I raised a section 75 in October 2019. I'm still waiting on a decision. I've telephone several times only to be told it's with head office - no update. I rang today to raise a different section 75 only to be told I can't because of covid 19. I need to allow the company concerned to process the refund. But under the EU law they only have 7 days & it's over a million nth ago. I am not happy with the service from the credit card division as they are saying I've not done what I was asked as in providing more information in October last year which is completely untrue. I've been advised to ring back tomorrow. It took my 5 attempts over 3 days & 30 mins of holding on each time not to been provided with an update on the case. The contact telephone number detailed in their acknowlgement letter back in Oct 2019 advised the department is open 7 days a week.”

Posted 4 years ago

“Trying to phone to sort out covid 19 issues...the number they give is not recognised..useless”

Posted 4 years ago

“They’ve got my address wrong but despite changing it I. Writing and over the pine on over 7 phone calls - it’s still wrong. Then they mismanaged a payment so it affected my credit rating and despite several phone calls of them assuring they’d put a note on my credit file, they didn’t. I was in the process of buying a house at the time...”

Posted 4 years ago

“Took out a credit card with Sainsbury’s 2 years ago. Bought a car and was taking advantage of the 0% switch. They were very disorganised, told me I would receive a charge incorrectly and that I would have to call them to remove it (the first warning sign). I had some queries along the way, and half the time they didn’t answer my question probably. Got the distinct impression they wanted up to trip up and miss payments and incur charges. I moved house 9 months ago, and because I could remember my password, in their eyes I had failed their security test forever - they refused to update my address, so all my statements have been going to my old address. In the end I just went online and paid the balance off; I couldn’t take anymore. Even their payment phone line wasn’t working. Total nightmare. Choose a better credit card provider who know what they are doing - that’s my free advice. Good luck.”

Posted 4 years ago

“I've used Sainsbury's Bank in the past for credit cards and home insurance and found them to be quite good (though the real test of insurance is when you have to make a claim, and I didn't). So I recently decided to apply for a £25,000 loan with them. I intentionally used their eligibility check first, as I didn't want a hard search on my credit file unnecessarily if they were going to reject me (though my credit score is excellent so I wasn't too concerned). I did the eligibility checker and input my income and the loan amount and it said I had a very good chance of being accepted so I submitted my full application online. It was immediately rejected. I complained and the underwriters explained that Sainsbury's Bank would never have approved a £25k loan on my income. So the lesson learned is don't trust Sainsbury's eligibility checkers, had it worked properly I would not have submitted the application. I now have an unnecessary hard search on my credit file. I immediately applied elsewhere and was instantly accepted, with the £25k in my bank account shortly after. Sainsbury's have recently sold off their mortgage books, have tightened their credit card approvals (my sister who also has an excellent score received a woeful credit card offer from Sainsbury's - she would have got a lot better elsewhere) and it's becoming clear that something's amiss with Sainsbury's own credit worthiness. I will be steering clear of them going forward.”

Posted 4 years ago

“Worst bank ever! Most obsolete customer login panel I have seen is just one enormous pain in the as*. The customer is not informed about anything! No emails/letters/text messages. Those thieves just silently waiting to steel you hard earn money. Stay away, you have been warned”

Posted 4 years ago

“Awful company to deal with, portal doesn't work, try to make changes it tells you on phone only online, go online it tells you to call the customer services line...... wait 20 mins on hold then passed from one person to the next spent over 4hours on the phone trying to sort out a claim for a key where the excess is £650.00. Claim logged incorrectly and now cannot cancel, losing my mind, going round in circles. Key cover absolutely waste of time when excess is double the value!! Imagine what it would be like if you had to make a full claim!! DO NO USE”

Posted 4 years ago

“Worst customer service. Spent over 2 hours on the phone and could not sort out my query. They kept passing me on to another department.”

Posted 7 years ago

“Claimed for a damaged bicycle. Intially offered replacement up to £2000 formally, then suddenly told there was a problem with the claim and only £1000 would be paid. Then asked for proof of damage and no further contact to date. Clearly a major failing internally , still without resolution. Buyer beware, Sainburys insurance underwriters have no affiliation to the brand and based on our experience have serious process and procedure assurance problems.”

Posted 7 years ago

“In 2008 I was made redundant and unable to make full repayments on my loan/credit card. Sainsburys agreed an arranged payment plan which I religiously paid. I have since paid these off. When obtaining my credit report recently I was horrified to see that Sainsburys have recorded a default notice against me each month for 5 years which has prevented me from getting credit over the years. I also had to take a high interest mortgage because of this. They have not recorded any of the payments I made to them. They have also recorded conflicting information on both credit agencies!! They have also recorded different outstanding amounts on the credit reports. I have made enquiries and if a payment plan had been agreed they are not allowed to register a default notice against you. What have Sainsburys done to rectify this... Nothing so will now refer to FOS for guidance.”

Posted 8 years ago

“Terrible Customer Service. Staff don't care. Don't honour their promise to help through Covid Pandemic just pile on more fees. Management just as unhelpful. Avoid.”

Posted 3 years ago

“Easy to take out a credit card but impossible to cancel it. You can only do it by phone and having called a few times, one of which I was on hold For 2hrs and 30mins before it count me off it’s just not possible to get through to anyone. Truly dreadful service. Avoid at all costs!!”

Posted 3 years ago

“Unable to access website in order to settle account. Hours spent trying to get through to customer service. Appallingly unhelpful customer service agents when I eventually did get to speak to someone. Unable to exercise a degree of common sense when faced with something off script.....quite frankly, the second my zero percent offer is up I will DEFINITELY be going else where and never intend on using their services again.....however until that time I'll be making sure I milk every single penny from the zero percent period ;) ...well it's the very least they can do for making me have to deal with such a useless company/staff”

Posted 3 years ago

“Nonexistent customer service, payment refused and didn't even bother to let me know. When I called the next day, I was blatantly told I am not allowed to buy the product with this card. ??????? DISGUSTING, never again am I going to bother with this excuse for a credit card company!!!!”

Posted 3 years ago

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Sainsburys Bank is rated 1.8 based on 360 reviews