Travel seemed so glamorous when I first started working. The chance to leave town for a couple of days, see a client or two and enjoy the time away from the office. “And wouldn’t international travel be even better?” I thought. Flying halfway around the globe to visit a client in another country. That would be cool.
I have been fortunate, or unfortunate depending on your view, to have this opportunity. Not long ago, I had a chance to go to the Philippines. I flew roughly 30 hours, one way, for a four-hour meeting, only to fly home the next day. Uh, maybe not so sexy.
After being cramped up on a plane in a coach seat for roughly 60 hours back and forth, I tried to use my credit card in the San Francisco airport, only to have it denied. I had no food or water in my travel case, hadn’t eaten in 24 hours, and was fairly miserable after being up for more than 24 hours. When I landed in Chicago, I called the bank to find out why my credit card would not work.
My experience went something like this: I called the bank’s 800 number, and listened to the IVR for 30 seconds as I walked through O’Hare carrying my bag and briefcase. “How can I help you?” the IVR asked. Since I knew the IVR would not understand, “Make my card work!” I navigated the IVR, input my card number, gave the IVR my name — all of the usual information to identify me as a cardholder, only to find out the IVR couldn’t help me.
Because I am in the call center business, I said, “agent,” trying to effectively bypass the remaining the IVR prompts and applications. If you have never traveled through O’Hare, just let me tell you it is not the quietest place in the world. I found myself yelling, “AGENT!” at my phone as travelers looked at me.
When that didn’t work, I hit “0” a bunch of times … maybe 50. Or it felt that way.
After this mess, I finally landed with an agent. Her first question was, “Can I have your card number?” You gotta be kidding me. I just spent five minutes in the IVR giving it to the automated system. The IVR didn’t collect and pass that information to the agent, and subsequently the agent didn’t recognize me, even though I had a credit card, mortgage, savings account and investments with the bank.
After giving the agent all of the information I had just provided to the IVR, she proceeded to tell me that since I had not told the bank that I would be traveling internationally, they canceled my credit card. No warning. No text message. No phone call asking if I was out of the country using the card. No email to either my work account or home account. Nope. They just canceled it. And by the way, for my convenience, they would issue me a new one. In 10 days. 10 DAYS!? Really?
I found myself in a heated discussion with the agent about the available technology for the bank to call me, text me or email me immediately about suspected fraud. None of this widely available technology was being used by the bank. Ugh.
One last thing: I had no idea how I was going to get my car out of the parking garage without a credit card.
Needless to say, this experience caused quite a bit of friction between the bank and me. It could have been avoided. The bank could have reduced my frustration (and likely many others) had it tracked various customer journeys and implemented various technologies that enable data to transverse the various IVR, Web and agent channels and applications.
I am no longer a multiple account holder at that particular bank. And I wonder how many other people the bank has lost due to its inability to leverage technology that persists data across channels and applications across its customers’ journeys.