Their call centers are well staffed, courteous and friendly. They've always been willing to solve any problems I've had.

Several months ago I opened a piece of mail from them, and found a $150 Apple gift card in it, not related to any promotion, just their way of saying thanks for having a savings and checking account with them, both with modest balances. Needless to say it looks like I'll be a USAA customer for life.

Just goes to show that being one of the bigger guys is no excuse for not offering excellent customer service.

@paulaf: But what did you say to them to get them to respond like this? Inquiring minds want to know.

I agree, it seems overboard, but hey, they want their customers to be happy and continue to do business with them, and nothing says that like Humble pie. If she had lost some of her savings through a glitch, I be they would send her a truckload of Humble pies!

If they had accidentally lost part of her savings through a glitch in their banking system, then I think a complete refund combined with some humble pie would be a good move...

@Orchid64:

Everyone wants good service but no one wants to pay for it.

I'm willing to pay through the nose for excellent service. The problem I'm having anymore is trying to find companies which still know what good service still is.

Credit Unions do have their place and I'm glad they're around... BUT, they're not a cure-all and they're not for everyone.

I have the "VIP TUNE" charge appear on my credit card this month. Called up Wachovia and they immediately removed it from the bill and overnighted a new card to me. For comparison, a friend of mine lost his credit union credit card. It took nearly a week for them to get a new one to his door. He's also had a few times where his card was declined due to the CU's computers being offline. Longest server "maintenance issue" he experienced was 2 days.

From my experiences, credit unions are good for middle-income households, VERY good. If you've got a higher level of wealth, the big banks are where you need to be. Most large banks have a special department which understands the needs of clients with substantial assets. (Yes, they are different than the average Joe's.) I doubt most credit union folks ever have done a wire transfer, and CashEdge transfers to your ING/FNBO Direct account doesn't count. For those at the upper levels, wires transfers are frequent and tend to happen at the worst times (bank holidays, after hours to coincide with time zones around the world.)

I have a credit union account to keep some spending cash around, as they have a very nice ATM network and pays good interest. I keep some money at ING/FNBO for assets I'd like to keep liquid but don't need immediate access to. The rest is split between Wachovia and my investments.

I've been with my credit union (Vancity) for 25 years now and I don't regret it one bit. I've had accounts with "banks" and I was disappointed every time.

On a personal note, regarding being accountable, I messed up mailing out six or seven books I sold on Amazon, sending them out for the discount media mail postage instead of the retail price (confusing postal website!) When I realized this, I was horrified, and I sent everybody a dollar and an apology note via first class mail, beating the books' arrival. (The postage would have been, at most 31 cents over, and most wouldn't have been over at all, thanks to my somewhat overweighing scale.)

Whaddya know, people mailed me back those dollars...costing themselves the price of a first-class stamp...suggesting to me that people will, indeed, excuse errors -- and graciously -- providing they don't feel you're trying to scam them or take advantage of them.

Sweet.

Also the banking flexibility with one of the major banks us just so much greater (if you not happy with one branch there is always another one you can use without moving and changing your accounts, where with the Credit Unions that is not as much of an option).

It was a great way to apologize, but I've done similar things at both Banks and Credit Unions, sending flowers or a night out on the town for an error. It comes down to the issue and how the customer dealt with you a lot of the time.

I have to agree with XKeeper - my experience has been that credit unions are generally friendlier and have better terms / penalties than big banks. I moved a few years ago and was really dissapointed that my old CU didn't have an office in my new city. =/

"Adequate staffing" comes at a price. The customer service problems many people experience are often a case of reaping what they sow when they value price above all else. If you value customer service, you need to patronize businesses that cost a little more (because they're paying more salaries or better ones) regularly. In the States, bad service comes along with all the cheap prices at chain and discount shops.

Everyone wants good service but no one wants to pay for it.

@Buran:

Yet another annoying trend here: whip out "credit union" as the "fix" to any problem with any bank.

Just sayin'.

I've said it a million times: CREDIT UNION!

Oh wait! I don't have to this time!

Personally, I'd like to see the letter she sent to them that prompted a response like this. I'll bet it doesn't even come close to resembling the kind of complaint letters we see on here that are met with disdain. Probably all polite and stuff....

Could you send that in, Paula?

I think in this case it was easily worth the $65, because the publicity on the Consumerist is at least as good as a few hundred dollars spent on advertising. Even if the recipient of the pie wasn't an active Consumerist reader, though, I'm sure the $65 CDN plus delivery and taxes pales in comparison to the amount of money spent on the feature that wasn't working quite right.

Along with "blame the victim".

Along with "threaten violence on people I don't agree with".

Bank of America doesn't give me pies. They just send me new ATM cards every time my old ATM cards become mysteriously deactivated. I'd rather have a pie, frankly.

That's it, I'm moving to Canada.

"Mmm Pie."

mmm...pie. That was nice of them.

nothing is better than pie! NOTHING!

It says "handpicked apology apples." My guess is apple pie. ;-)

All in all, that was pretty fantastic of them.

If it's BC, it's most likely apples. We're drowning in apples up here...

I was going to guess Key Lime but then I looked at the pictures and saw the mention of apples.

what kind of pie was it?