A: Terribly Sloppy Bank.
And this is my view after just four months! My gripes are generally about their paperwork and attention to detail.
Incident 1
The Chip and PIN card that doesn't require a PIN to shop with:
Yep, that's right "You don't need a PIN to pay for shopping, however you'll need one to withdraw money from a cash machine." Only, you need the PIN to use the card at retailers, when you're shopping. Hmmm.
Incident 2
The mysterious Avios Points:
So, 1 Avios per pound using the Amex card and I've only used the Amex card. 127 x 1 = 127...
But not at TSB:
Yep, at TSB 127 x 1 = 0.
Incident 3
Do they know my name?
Nope. I'm ???customer-greeting??? to them.
Incident 4
They can't tell the difference between a Mastercard and an Amex Card:
An Amex starts with a 3 and has 15 digits. A Mastercard starts with a 5 and has 16 digits.
This all makes them look sloppy and amateurish.
Perhaps they need their Templates Set Better?