How Do I Contact Paypal By Phone?

In a perfect world, we would never have a need for customer service considering everything works as it should. Sadly, that's not the case. And, if y'all're like me, you dread the time-consuming job of calling customer service. I'm talking about the long concur times.

Kevin Jaako / Flickr | https://www.flickr.com/photos/jaako/247638204 — Kevin Jaako / Flickr

Desire to skip the long wait? Jump online and conversation with your bank instead -- whether through online alive conversation or social media.

Below, you lot'll see a chart of the top 10 U.S. banks (plus a few other major financial institutions) and which ones provide client service through online live chat and the ii biggest social media platforms Twitter and Facebook:

Live Conversation and Social Media for Top ten Banks

Bank	Live chat?	Twitter*	Facebook
Bank of America	Yes	@BofA_Help	https://www.facebook.com/BankofAmerica
Chase	No	@ChaseSupport	https://www.facebook.com/chase
Wells Fargo	No	@Ask_WellsFargo	https://www.facebook.com/wellsfargo
Citibank	Yep	@AskCiti	https://www.facebook.com/citibank
U.Southward. Bank	Yes	@askUSbank	https://www.facebook.com/usbank
Capital One	No	@AskCapitalOne	https://www.facebook.com/capitalone
PNC Banking concern	Aye	@PNCBank_Help	https://world wide web.facebook.com/pncbank
TD Bank	No	@TDBank_US	https://world wide web.facebook.com/TDBank
BB&T	No	@askBBT	https://www.facebook.com/BBTBank
SunTrust	Yes	@AskSunTrust	https://world wide web.facebook.com/suntrust
American Limited	Yes	@AskAmex	https://www.facebook.com/AmericanExpress
Discover	Yes	@Discover	https://www.facebook.com/find
Marry Depository financial institution	Yes	@AllyBank	https://www.facebook.com/AllyBank

*Note: Many banks operate separate Twitter accounts for different purposes. Typically, there is a main Twitter handle (due east.g., @bankofamerica) that shares the bank'due south news. The above bank Twitter handles are accounts that are used to deal with customer service.

Why live chat?

Every bank lets yous reach customer service with a phone call. You lot know how it normally goes: you navigate the automated phone menu before a long expect on concur to speak with someone. On many occasions, the phone call doesn't resolve the problem. That'southward time wasted.

Some banks allow you transport secure online messages to customer service. These messages are simple emails that can simply be accessed through online banking. Information technology'southward great, if you don't demand assist immediately.

Live chat is the middle option betwixt a telephone call and an email. It'southward similar to how you'd send instant messages or text messages. The conversation is clearer and the responses are quicker. Plus, you're probably surfing the web for another chore anyway -- you tin do that while in live conversation with a banking company representative. In fact, you probably already used alive chat for your online shopping and other websites. From Amazon to AT&T, many of merchants have also turned to live conversation to assist customers.

Screen Shot 2014-11-10 at 8.49.59 PM — Example of a alive conversation with PNC Bank

Today, my beginning instinct is to search for a banking company's alive conversation option if I e'er had a question, not option upwardly the phone. I can enter a chat and go on doing what I have to practice (work, for example).

Nosotros customers are not the but lucky beneficiaries of online alive conversation.

According to previous Keynote Banker Scorecard reports that rated the nation's banks based on their usability, skillful live chat agents are capable of managing several conversations at one time, which is more cost efficient for the depository financial institution to provide client service.

As you can run across, more than half of the biggest banks currently offer live chat. The ones that don't offer live chat may non find a need for live chat when other channels are doing the job. Chase, for instance, doesn't have immediate plans for live chat and continues to invest in client service channels such as Twitter, according to a Chase spokesperson.

Speaking of Twitter, let'due south turn to how social media tin can be your new, favorite method of contacting banking concern customer service.

Tweet (not call) for help

Previously, I admittedly whined on Twitter about how my Chase Freedom credit carte was a regular Visa Platinum, not the Visa Signature version. (For those who don't know, Visa Signature offers more than card benefits like personal concierge and travel protections.) Chase responded and offered to upgrade my card. A couple tweets later, Chase had candy my asking for the upgrade. I don't accept to tell yous why this feel was multitudes better than a call.

The conversation, non surprisingly, felt just similar a alive chat.

Screen Shot 2014-11-12 at 12.05.48 PM

That is just one of the many times that I've reached out to banks via Twitter. I cannot recall a time when I had a negative experience.

In an another feel, I provided Citi with my contact number and available times to phone call me. The situation may not have been resolved through Twitter, but at the very least I didn't accept to wait on hold for the agent -- he called me, not the other style effectually.

And, that is oftentimes the example when reaching out to banking company customer service through social media. If information technology is a full general question, the agents will reply rather quickly with an reply. If the question is account-specific, then you are asked to telephone call a certain customer service line or be asked for your phone number.

I know I've mentioned more often than not Twitter when information technology comes to using social media for customer service, just you lot'd become a similar feel through Facebook.

Here are a few quick tips that I suggest when using social media to communicate with a bank'southward client service section:

Spell the bank's name correctly in your tweets (banks scan for these tweets)
Use a bank's handle when possible
Express anger, but leave out the profanity
Do not share account information!

All of the nation's largest banks take a customer service squad that is dedicated to addressing customer problems through Twitter and Facebook. More likely than not, you are a client of a financial establishment is on a social network or two. Try it out -- you'll find out what y'all've been missing.

Should it affect your selection of banking concern?

Customer service is such a crucial aspect of the banking experience that it can sway decisions when picking a banking company. After all, nosotros're talking near our money here -- I surely would want whatsoever bug to be resolved smoothly and quickly.

Personally, I wouldn't switch banks just to seek out customer service from live conversation and social media. Withal, if I was stumped in deciding between ii banks, the i that provides more client support channels -- such as live chat and social media -- volition definitely win.

Live conversation and social media are such slap-up customer service options for us because there is a much greater sense of accountability. With live chat, you lot can review (and re-create the text) the unabridged chat for clarity and reference. With social media, you put your thoughts in the public eye and banks will take the opportunity to evidence you -- and everyone else -- that they are capable of delivery exceptional customer service.

In the future, y'all can await an even more trendy way to chat with client service. Many banks have launched mobile live chat for personal and business cyberbanking customers. We at present tin accept alive conversation on our smartphones as well. What'southward next? Honestly, I have no idea. But, seeing how popular mobile banking has become, mobile live conversation is going to get the next best style to chat with a customer service rep, without having to speak a discussion.