Heartland Bank complaint?

Do you have a dispute or a bad customer experience with Heartland Bank? Report it through our website to maximize the chance of getting it resolved.

We help you write an effective complaint in minutes. Our AI models are trained on thousands of effective complaint letters. Then we push it through emails, social media, paper complaint letters and other tools at our disposal. And you are not alone: our helpful community is there for advice.

Heartland Bank customer service can be reached on 0800 85 20 20 and by email at customerservice@heartland.co.nz. Heartland lists separate lines for some products, such as reverse mortgages and car loans, on its contact page, and formal complaints go through the complaints page on its website. Have your account or loan number ready and note the date of every contact.

Want the complaint in writing alongside the call? Start your complaint here and we push it to Heartland Bank by email, social media and printed letters.

Yes, the Banking Ombudsman Scheme handles complaints about the New Zealand banks that take part in it, and Heartland Bank is one of them. The scheme generally expects Heartland Bank to have had the chance to put things right first, so keep a record of every call, email and letter.

Want every contact kept together in one place? Start your case with us: our trained AI opens a case for you and keeps coaching you on what to reply and when to push.

To complain about a Heartland Bank reverse mortgage, write to the bank through the complaints page on its website, with the loan number, what you think went wrong and what you want done about it. Typical issues are how fast the balance has grown with interest added, the terms for repaying early or selling the home, and how the loan is settled when the borrower dies or moves into care. Keep the original loan offer, every statement and any record of the advice given before signing; family members acting for an estate should also keep the documents that show their authority.

Settling an estate with a reverse mortgage on it? Set the case out with us and we place it alongside other families in the same position, who can back it up.

Heartland Bank's term deposit terms set out whether, and on what conditions, a deposit can be withdrawn before it matures, including any change to the interest paid. Ask for those conditions in writing before you request the withdrawal, keep the confirmation of your request, and check the interest you receive against the terms. If you need the money because of hardship, say so in the request.

Interest on an early withdrawal not what the terms said? Raise it through our complaint process and we help you write it in minutes, with the deposit terms and the figures side by side.

Be careful. Fake term deposit and bond offers have used Heartland Bank's name, often after people entered their details on an investment comparison website. Heartland says that when its staff phone to offer a term deposit, they follow up with an email from a Heartland address confirming the conversation, and it warns against replying to unsolicited investment calls or emails.

Nothing has been reported about Heartland Bank here yet. Our research shows what typically goes wrong at a New Zealand savings and lending bank: interest and conditions when a term deposit is broken early, reverse mortgage balances and how they are settled, car loan repayments, arrears and fees, slow home loan decisions, and trouble logging in to online banking or the app.

Seeing one of these on your own statement? Be the first to report it: we take it to Heartland Bank, and your case opens the record for the next customer with the same question.

Your complaint gets its own public page on Complain.biz and we get to work: we bring it to the attention of Heartland Bank through emails, social media, paper complaint letters and other tools at our disposal.

And we stay with it after you file. Our trained AI opens a case file for you and keeps coaching: what to reply, when to push again, and how to escalate if nothing happens.

Yes. We have an active community of consumers, and complaints here are public: people who ran into the same problem with Heartland Bank can give you advice or back you up with their own story. A complaint with a community behind it is much harder to overlook.