A common horror story is unresponsive customer service. Customers call with urgent questions about their policies, but they are put on hold for a long time or transferred multiple times without getting a proper answer.
Another one is the pushy sales tactics. Agents seem more interested in making a sale than actually understanding the customer's needs. For instance, they might pressure a young couple into buying a large life insurance policy that they can't really afford. The couple may later struggle to pay the premiums and face the risk of losing the policy. This is a real horror story for those who are just starting out in life and trying to manage their finances.
A common one is that the customer service is unresponsive. People try to reach out about issues with their orders, like wrong sizes or damaged items, but they don't get any reply for days. It's really frustrating when you're waiting for a solution.
There was a case where an agent of Northwestern Mutual promised high returns on an investment product. However, the market took a downturn and the client lost a significant amount of money. The agent had not properly explained the risks involved. The client felt deceived and it was really a horror story for them as they were counting on that money for their future, like their children's education or retirement.
Well, first of all, there's the inefficiency factor. Customers are made to jump through hoops to get a simple problem resolved. This can involve having to repeat the problem over and over to different people. Second, there's the blame - shifting. Instead of trying to solve the issue, the customer service tries to put the blame on the customer. And third, there's the lack of follow - up. Once the call is over, there's no further action or communication to ensure the problem has been truly fixed.
One of the most common elements is the failure to solve the problem. The customer approaches the customer service with an issue, but instead of getting it resolved, they are given the run - around. The staff may transfer them from one department to another without any real attempt to fix the issue. This makes the customer feel unvalued and frustrated. For example, I had an issue with my laptop and the customer service just kept passing me around between different technicians, and in the end, my problem was still not solved.
One common element is lack of communication. Airlines often don't keep passengers informed about delays, cancellations or lost luggage. For example, passengers are left waiting at the gate with no idea what's going on.
A client of Northwestern Mutual was a recent college graduate with a large amount of student debt. The financial advisors at Northwestern Mutual worked with the graduate to create a debt - repayment plan while also starting a savings and investment portfolio. In a few years, not only was the graduate debt - free but also had a significant amount saved for future goals, like traveling and starting a business.
Long hold times are very common. Customers end up waiting for ages, which is a waste of their time. For example, I once waited two hours for a bank's customer service.
One common complaint is long wait times. Customers often have to wait for hours on hold just to talk to a representative. Another is unhelpful responses. Sometimes, the agents seem to not understand the problem fully and give generic solutions that don't work. Also, there are cases where Apple refuses to honor warranties without proper justification, leaving customers frustrated and having to pay for repairs that should be covered.
I once had an experience at a clothing store. I bought a shirt with a defect. When I went back to return it, the customer service person accused me of causing the damage myself. They were so dismissive and refused to give me a refund or an exchange. It was really frustrating as I had just bought the item and it was clearly a manufacturing issue. I ended up leaving the store very angry and never going back there again.
One horror story was when I ordered a new laptop online. It arrived damaged. When I called customer service, they put me on hold for over an hour. Then they transferred me three times and finally told me I had to ship it back at my own cost, even though it was their fault for sending a damaged item.