Customer service is obviously the big issue. Working off scripts isn't unreasonable for first-line (telephone) support and if those scripts were adequate, they would be able to cope with the majority of routine issues. But second-line support should not be using the same scripts, which presumably is the reason EPassporte so often send out those aggravating and largely useless templated emails.
MO is obviously quite effective, but it is still ludicrous for a legitimate business to depend so heavily on a single individual, especially one who has to work through other members of staff. Although he is often able to break through the rubber wall the rest of us face, he is still dependent on being given the right information and on others to act. That does not always work as it should.
Speed is another issue. ATM withdrawals and internal transfers are obviously handled promptly, but things such as withdrawals, dropping unclaimed transactions, etc., are painfully slow. EP always blame the "rules", but a bank actually handles the transactions and I seriously doubt that bank's own customers have to tolerate transaction speeds which are so out of step with the norm.
So-called security would be the third thing for me because with even legitimate banks and card companies proving themselves vulnerable, I do not like having more information about me than absolutely necessary, floating around out there. Even were it not enough to verify a bank account or credit card (which my bank confirms can include verification of my address), together with sending a card to that address, I totally fail to see how emailing or faxing further information (which because of those transmission methods would be relatively easy to doctor), adds to anyone's security.
Finally, fees should be structured to appear less like a scalping operation. I have never attempted to compare overall costs between EP and PP for the use of their services, but by charging for everything little thing they can, EP come across very negatively.
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