Mbna Reviews 

Customer service is appalling
closing account as can't get though to anyone , even on chat!

Customer service is appalling, virtual robots go around the mulberry bush, and when asked for a physical person, they say they will call you back. For that reason, I finally found a customer services number that states I could be on hold for 1 hour. Still waiting....closing both credit card accounts down, when I can finally get hold of someone. Never again!

AVOID LIKE THE PLAGUE.

They used to be excellent, good service, easy to use app and helpful customer service...

... well... those days are longggg gone.

The T&C's are now really questionable and underhanded... in all my years of using 0% credit cards, I've not come across anything like it. (Nearly 20 years and dozens of cards).

The customer service is dire, slow, uncommunicative and completely unhelpful. You'll receive copy and pasted pieces of their T&C's and 30 minute plus wait times between messages... they'll also completely get your name wrong just to complete the 'experience'.

I have gladly moved to a 'proper' 0% card operator, who gives you 0% for the full term advertised and not just in the first 60 days...

MBNA logged me out of my account and provide not enough information for me to successfully log in. Customer service is absolutely useless when I call. They can't help at all. In addition the security communication are send on paper via post and is not enough to reset my log on. I've been locked out of my account for a month now.

I have had an MBNA visa card for many years with no problems however something has changed. My wife needed a reset of her pin number and we ertr first told she had to have a new card instead, MBNA then issues me a new card instead, I complained and was told instead they should have sent her a pin reminder so she could change the pin and again one was sent to me instead,

While this was going on MBNA tried on 3 occasions to force me to have their app one one occasion saying I would have trouble if I did not and on another saying it compulsory and on this occasion I said I wanted to speak to someone more senior to make a complaint and was told there was no-one more senior and it was there their policy that staff deal with complaints made against them thereselves
'
I was given a £25.00 credit for the problems with my wives card and told by their employee while still on the phone that my he had decided my complaint would not be upheld as it was bank policy to insist on use of their app

How can an organisation follow such a blatant policy of not having designated staff to deal with complaints

Truly dreadful experience. My parents' property had two insurances ongoing after their passing - one for contents and one for buildings. The contents people were understanding and accommodating. MBNA were the polar opposite. Not only is it very difficult to find a contact number to speak to someone and then get through to someone and when you do, you're met with indifference bordering on rude.
Their recordings say "We may record this conversation blah blah blah". I wish I had recorded it!
And they are very expensive. Before you renew, check online for better deals.

Third time now I am waiting to receive a letter to reset my account and password because I am forced to navigate the hopelessly outdated and convoluted methods of creating and verifying my identity through the app (which seems to an old-school Lloyds Bank version that I had on my OG 2008 iPhone!).

I can imagine other customers - especially the elderly giving up and feeling compelled to dribble down their various login ids, rendering the three step process even less secure than competitors.

On the other hand, I did wonder why I was initially given such a large sum of credit (and low APR) but reading the 1-star reviews and based on my experience, I wonder if it’s because the British-based franchise is haemorrhaging customers?

Avoid engaging with this company. Their handling of my claim was utterly unacceptable. I had a dispute concerning a defective item (very expensive and I can't use it) bought through Etsy with my credit card. Even after submitting ample well-organised evidence demonstrating that the products were not as described and making efforts to resolve the matter with the seller, my Section 75 claim was denied on the grounds that the payment was processed through Etsy. In light of the increasing number of individuals utilising these platforms, it is profoundly disappointing and indicative of poor customer service to interpret Section 75 applications in such a restrictive manner. I also consulted with the bank, and they agreed that the claim should not have been rejected (which I also provided evidence for). This excessively narrow interpretation of the transaction is unacceptable, as the contract was established with the individual seller rather than Etsy itself, and MBNA certainly has the discretion to take responsibility for supporting their customers, yet they chose not to.
The investigation concentrated on payment routing instead of the essence of the purchase and the contractual relationship. Be careful getting a credit card and pay for high valued items as you wont be protected if something goes wrong if you purchased your item via a "3rd party" - you effectively losing your consumer rights. The banks are also well aware that FOS rarely find in consumer's favour as they appear, in the majority of cases, to deem the consumer at fault making their role somewhat redundant and meaningless. The customer service, the outcome, and the absence of substantial support in addressing my issue has been in the gutter of the standard one should expect from such a large bank.

Quick response to a rogue payment made against my credit card. They were also onto it when I had fraudulent use of my card a few months ago. My only criticism is that you have to flag the disputed transaction within the app, which is a bit of a faff. A human interaction would have been a little easier and more reassuring. But the system does seem to work.

Kristine Lawson in the complaints department fixed a minor issue with my card instantly with outstanding customer service, a lovely personality and attitude to customers. I could not be happier with the service provided and the response rate.

Awful service, wish I’d read this prior.

Stopped my application despite me using the correct CAIS, then request proofs but want them mailed?

Are we living in the stone ages? Pathetic process and no work around, so I miss out on my credit card, have another hard search and nobody to contact.

I’m not even sure the FCA would deem this outfit fit for purpose.

MBNA STOP BOMBARDING MY INBOX WITH e.mails TO APPLY FOR ANOTHER CREDIT I AM NOT INTERESTED IN ANOTHER CREDIT CARD WHEN YOU APPLY IT LEAVES A HARD CREDIT SEARCH ON YOUR CREDIT FILE ITS STAYS ON CREDIT FILE FOR 2 YEAR HAVE I HAVE 1 CREDIT CARD THATS ENOUGH I TRIED TO INCREASE MY CREDIT LIMIT I WAS DECLINED YOUR MESSAGE READ WAS APPLY IN 6 MONTH TIMEA DONT THINK SO I WILL APPLIYING FOR A CREDIT INCREASE AGAIN THIS IS THE 2nd TIME YOU MBNA HAVE KNOCKED ME BACK FOR A CREDIT INCREASE THERE WILL NOT BE A 3rd TIME THE BEST ABOUT IT A DONT OWE YOUR COMPANY ANY MONEY WHEM I USE MY MBNA CARD IT GETS PAID OF IN FULL ANOTHER THING STOP SENDING ME BALANCE TRANFER e.mails THERE IS NO WAY I AM TRANSFERING ANY BALANCE TO YOUR COMPANY SO STOP BOMBARDING ME WAY YOUR IRRELIVANT e.mails TO MY e.mail ADDRESS WHEN I HAVE OPTED OUT OF YOUR MBNA e.mails.

Unhelpful staff with attitude. Unpleasant experience.
Been paying about £50 a month for two years and needed some help today as electric tripped out causing the boiler to turn off - and apparently they can only help if the whole electricity had an issue not just part of it - what the heck am I going to do with that? The emergency cover and the home insurance with content seem useless to have with Mbna and I am looking for a better provider that better accommodates needs. Do not recommend this company

Absolutely shocking. If I could give it zero stars I would. Long delays for service over the phone - I'm currently on hold for 45 mins. Limited opportunity to self serve online. No option to select loans as an option when you call in so you have to go through identity checks repeatedly. No handover mechanism between teams so you constantly repeat security questions. All I want to do is change my address. I can't do it over the phone or online. I have to write in!!! Antiquated way of working. I was then told to do it via their app. I am using my same login in details on the APP and am getting an error message. Now trying to call in to sort and am just on hold. I also want to pay off more of my loan each month. Previously you had this option online and now don't. Avoid this company at all costs. It's a dreadful customer experience!!!!

Disgusting company. We had a leak under the floor. After the plumber for that various plastic connectors had been chewed through by mice. We contacted MBNA and were told we could not claim for pest control as we had not physically seen the mouse. Then when we tried to claim for the damage done by the leak we were told we could not claim as the pipes had been damaged by mice and we are not covered for that.
This company is more corrupt than the criminals locked up in prisons

Worst Home insurance. Hours of waiting and the link they send will not work. No proper guidance for the claim. Terrible customer experience

I recently had to make a claim for a stolen bike, and the whole process was simple, quick, and stress-free. I was genuinely surprised by how efficient and professional the service was throughout. I would happily recommend them to anyone.

I hold a home insurance policy with them which has come up for renewal. On paper the renewal price looks good (£150 reduction) however as always I wanted to do a comparison. I couldn't see anything in the renewal which confirmed my no claims discount, or my previous claims with other providers. I contacted both their live chat and telephony teams and they advised they don't hold or have access to claims data from previous providers, and similarly don't keep a record of my no claims discount. I've never had this problem before and I know this information exists as as they say in their recorded message "if incorrect historical claims information is provided this can impact any subsequent payout" that they would make.

Set up a direct debit to leave my account same date every month, direct debit was agreed but payments were coming out in different days. Challenged it to be given an apology and advised would sort it. Didnt get sorted and had to chase again to be told they cant set up DD's for the same date every month as their system doesnt allow this. MBNA have appalling communication, if this had have been advised from the start I would not have set it up.

TERRIBLE!
Just cancelled my policy. My policy documents arrived open. This is obviously a huge red flag as it contains all my personal data and lists items I have taken extra cover out on. The lady on the phone (Kelly/Kerry) was so unhelpful and unempathepic.
There was no attempt to reassure me or make my account secure.