Commonwealth Bank Reviews 345

Terrible experience with CommBank’s Ceba chatbot. I’ve been stuck in loops trying to resolve a simple credit card issue, and there’s no clear way to reach a human. Even after calling support, I was told to use chat—only to be met with dead ends and no escalation path. It’s incredibly frustrating when a chatbot actively prevents you from getting real help. CommBank needs to fix this.

Hi, I did a refinance with CBA, I was with loans.com in QLD for 10 years. The CBA staff member did 90 % of work online. I was refinancing an investment house, not my principal home which was paid off.
Half way through the process the staff member went on his honeymoon and left me in limbo.
I was never told my monthly repayment, how much the bank was charging per month on interest and how much the repayments were going towards the capital browning. I did not agree to a breakfrree package, as I didn't want a credit card. I was forced to close a credit card I had with Westpac, to be forced to take a card with CBA. I was told the mortgage would be linked to an offset account, this never took place todate. The first time I knew how much interest CBA was taking, from the repayment was in December 2024, at the first payment. Out of $2500.00, $2000 was taken out by CBA as interest, i had served 10 years with loans.com , now I had gone backwards and worst off. My principal house was paid off, now I am made pay it the second time, losing $2000 per month on interest. Nothing was explained to me, no comparison was undertaken, withholding important information. I was conned into taking the loan as it was no deal at all. For 6 months, I have written to the CBA, management, customer relations, CEO, no one has cared to resolve the issues. I requested in January 2025, to put the loan on hold till the matter was resolved, as I was in the UK as my father was on life-support and I flew to the UK on 2 December 2024 and only arrived in May 2025 back to Melbourne i have written over a dozen letters calls to the bank, each time, I get the same letter, cut and paste.
I do not want to deal with AFCA as AFCA do not help the consumer, it's always on the banks side. AFCA is funded by the banks and it is a conflict of interest. What can a lawyer do for me. I need to move this case soon as for 6 months the CBA have prolonged the case. Now my loan is on hold accumulated. Now I am going to take legal action against the CBA.

After being a loyal customer for over 17 years, Today without any prior notice, Commonwealth bank decided to close all my accounts.

I have 2 credit cards with one being approved 6 weeks ago at the maximum amount, an everyday account and a business account.

My business heavily relies on my commonwealth bank business account since my online businesse has so many incoming and outgoing transactions per day on this account with funds being put in and taken out automatically from all my partners such as eBay, Kogan, Amazon and Bunnings. I only found out of this outrageous decision the bank made whilst trying to book the couriers for my business orders only for my card to get declined. Then it was followed by my net bank saying my phone has been deregistered. I thought i was being scammed but essentially, they have crippled me and for what reason i asked the staff after waiting the typical hour to speak to their representatives, they cannot disclose but an internal decision has been made to halt their relationship with me. So without reason, although im a long serving member who has paid every single credit card payment on time, hasn't done any fraud what so ever, they canned all my accounts leaving me in limbo and without a way to book all my businesses orders whilst keeping all my funds. They cannot even give me the decency to get my affairs in order or provide the reason why I've been kicked to the curb.

I will be seeking legal advice as a notice of closure 30 days prior to closure should at the very least have been done so i could have gotten all my affairs in order. What this greedy disgusting parasite of a bank has done, and i mean greedy as they earn several billion from hard working people like us, is treat me sub human or actually like a number since they love their numbers.

Put it this way, i didn't even have any money to buy a meal after work since everything i had was with Commonwealth bank and they closed my accounts with the money in them. They just didn't effect my business which i have had to temporarily put a halt to since all sales are deposited to those accounts but i also don't even have any money to make the payments for the postage, to do shopping, my direct debts for my electricity which is due any moment now, they really put me under the bus.

I contacted the CBA specifically for advice on their Travel Insurance policy and was not given complete advice. As a result, a later medical related claim was rejected. I contacted the CBA as I felt that they had some liability due to incomplete advice, but they rejected it as (I quote), 'that as the Bank has no obligation to advise when you should to activate your travel insurance other than before you leave Australia, no Bank error has occurred and unfortunately you're liable for any financial loss that has occurred. We apologise for any inconvenience caused."
If they have people not trained or qualified to give specific advice, they should at least tell you that they don't know all the conditions and can't give advice and that you should read the Terms and Conditions, neither of which they did. This makes a mockery of their Code of Conduct that they advertise so much about.
I have been a customer for about 30 years but will now no longer use them as I do not believe they are ethical and know that their only true driver is profits.

NEVER had a tragic experience with this bank. Except once a long time ago they allowed my credit card to be used to make a purchase even after I had cancelled the order with the merchant. Sometime in 2019 a teller from the bank started asking too many tax related personal questions. In alarm I closed my bank account. I reopend it again after four years and just kept only a small volume of transactions with the bank to be just under the radar.

Made my account go into minus -165 and on the phone for the third day they can’t make the balance go back to normal. Keep waiting they say.

I would give less if I could would not identify me and there fore I cant use my own credit card, forcing me to go into a branch when I dont even stop for lunch breaks - absolute fn joke

Sending people emails threatening to close their accounts because they withdraw and use cash?
Are you serious?
Threats of not being able to access people’s own money?
This is absolutely disgusting!
Cash is legal tender and you’re a bank!
Questions as to how someone got their wealth none of your business!
Do not buy into this crap! Never bank with this bank. How dare you, firstly to threaten non-access to a persons own money and secondly assuming that just because they use cash they deserve this treatment and thirdly assuming that because they use cash they’re doing something nefarious.
You have absolutely no right to question anything like that as a bank you have no authority. You’re not some sort of police agency that investigates people if you have suspicions handed over to the federal police otherwise it’s none of your business.

Absolute joke of fraud and scam protection. Won’t provide MFA or notify you when someone accessed your account from an unusual device or location (even Facebook and LinkedIn do that). Refuse to track IP address of scammer who made transfer without my knowledge. I’ve been with Commonwealth for 10 years and will be closing all my accounts once my fiancés visa application is complete.

Got locked out of net banking. And told to ring a number and quote a reference number. Did so. Then get told to go to a branch to sort it out. What a joke.

WOULD NOT RECOMMEND Unless you want to pay for insurance that you will not be covered for as they will try everything to get out of.
Finding out after the fact that they have been done by the government for skimping and underpaying clients who have put in claims from Lismore/Shepparton/Byron bay and only paying out not even half of content and house insurance, now in hindsight that im going through EXACTLY the same issues, I would run as fast as I can from signing with CBA.
Coming up to 7 months of fighting with CBA/Hollard’s insurance, the storm incident happened on the 15th of November 2024 and it is currently the 30th of April 2025 and we are still fighting with no end in sight!
CBA have sent out 2 assessors and 1 engineer to write reports as they weren’t happy with the amount our quotes from private builders came too, The original assessor and engineer BOTH agreed and reported that all damaged items were no longer safe and/or non-compliant under Australian standards so all damaged items now needed to be demolished and rebuilt. These two reports from the assessor and Engineer both match what our own private builder and tank builder have stated as well.
We have been waiting 5 months for them to finalize that section of sending people out, waiting for reports ect, but they still weren’t happy with that either so they have recently sent out an internal assessor (whom I might add was quite rude and acted like she was above everyone else) This internal assessor has come back and said the COMPLETE OPPOSITE to what CBA’S own original assessor and engineer have said and REPORTED might I add!
This internal assessor is trying to settle the amount as she says (I HAVE THE LAST SAY) Now to put this in perspective she is trying to settle an amount that is over $130,000 dollars in different to the quotes that have been provided to CBA and also is $90,000 dollars in difference to their own sub-contractors Johns lyng who put in an amount that it would cost for repairs/replacement and yet this internal assessor has come in at a completely different figure, not even anywhere near their own sub contractors quote.
The internal assessor has let me know that “She has the last say” so I will have to try take it further which I will be as they are trying to rort the system and rip off innocent paying customers who are only trying to get their items fixed and/or replaced.
Again, I DO NOT RECOMMEND

A story of 2 banks - Commbank and the other will remain anonymous - and how they handled fraudulent activity.
Unfortunately I had scam amounts go through my Commbank and the other bank's credit cards.

I notified Commbank online, typed in a few details. They immediately raised a dispute, stopped my original card, set up a digital replacement card while I waited for the physical card. Future transactions from the scammer were stopped. I was not inconvenienced as I was able to use the digital card. Within 7 days the dispute was resolved and the money returned.

The other bank said to ring to log a dispute. When I rang they told me to go online and fill in a dispute form and a lost/stolen card form. After doing so and submitting they then allowed the scammer to continue to debit my credit card (new account numbers) three more times over a period of 7 weeks, each time resulting in me having to fill in a new lost/stolen card form and wait for a new physical card. I have not been able to use my account for those 7 weeks because I have to wait for a physical card to activate it. I have had to log several complaints and the issue continues. I have been refunded 2 of the amounts which took 3 weeks to do so. I'm still waiting on 2.

Commbank made an unpleasant situation easy to deal with and hardly noticeable. I really appreciate the service provided and the ease in fixing this issue. I will be closing my account with the other bank and just retaining Commbank accounts now.

Commonwealth disgracefully closed my account without notice. It was slightly dormant for 6 months but no notification was given that it may be closed. I noticed one day after they closed it and they would not reactivate it. Bet if I drank beers with Matt Comyn it would be re-opened in a heartbeat.

I have been with the Commonwealth Bank all my life. I recently had fraudulent activity on my Commonwealth Bank CC and to their credit they did flag it as suspicious. My biggest concern was how dodgy operators managed to get my Commonwealth Bank credit card details. Being a little spooked to go online or call the help desk (where ever they are located) I decided to visit my local branch.

They didn't have a clue!

So, my question to the Commonwealth Bank is - how did some nefarious operators get hold of my credit card details including the CCV number? Are these details onsold from overseas call centres and overseas backend operations?

I tried CBA and was not impressed. I came from a credit union type bank where customers are respected and treated well and was quite surprised at how poorly Commonwealth treats customers by default - you’re just a fee paying commodity to them. Fees upon fees. I wouldn’t be surprised if they send me a bill for a fee for their staff to read this review, plus a foreign website fee because the site is outside Australia!

Shareholder profit is their perpetual #1 aim and it shows.

I’ve been banking with the commonwealth bank neutral bay for the last30 years the fact that I stayed that long say’s it all. Amerita Chris, and Demo are always very helpful and friendly even when people put pressure on them.👍👍❤️

I'd give 0 stars if I could. This morning I discover that the bank has doubled up on a scheduled transaction and processed it twice.

Despite me contacting them within 3 hours of the transaction occurring, they have stated I must call their general service line, and wait on hold for god knows how long, despite them recognising that they have made the transaction in error.

How and why should I give up hours of my day to rectify a problem caused by and originating within the bank?

Wouldn't good customer service be to reverse the transaction or lodge it as a dispute, and then find out why it occurred?

Their AI Ceba is a waste of time and energy.

Their support staff on the live chat (necessary for someone who works 12 hours a day in an environment where I can't take calls) are lazy and just palm everything off to someone else.

I will be moving banks as soon as possible, I am sick of CommBank's absolute incompetence.

Disappointed in you advance pay eligibility criteria . Iv had a stable job for almost 2 years with a regular weekly income and last year I was able to access the advance pay a couple times but now it won't allow me it's stupid my pay goes into my com bank avmcxount every Thursday and com bank the app says try your next pay cycle so I do and each time it rejects me I feel rejected by my bank and think I need to change banks

I’ve been a customer for six years, but my experience with common wealth bank has been frustrating. The online banking app crashes frequently, making it hard to manage my account. Customer service takes hours to respond, and when I finally got through, the representative was unhelpful and dismissive about a disputed charge. Worst of all, I was hit with unexpected maintenance fees despite meeting the “free checking” requirements—details buried in fine print. I’m switching banks and wouldn’t recommend unless they improve transparency and service.

What a pathetic excuse for a bank. Don’t even deserve the 1 star. Didn’t honour awards bonus points. The credit card approval took forever because the Ai couldn’t understand my wages and commissions. Made me go to branch 3 times. They had two years of tax returns and the colour of my jocks . Stay clear read the fine print