Had an issue with 86400? Get a real response.
How to submit a complaint with 86400
Start with the complaints email and make the opening line about bank's customer service, account fees, and mobile app functionality, not the whole backstory.
- Start in the right place: Use the complaints email for 86400 so the complaint lands with a team that can actually review it.
- Anchor the facts: Include account details, transaction references, statements, screenshots, and prior emails and explain what went wrong with transaction accounts, savings accounts, and personal loans.
- Name the complaint theme: Say if the issue is about bank's customer service, account fees, and mobile app functionality so it is routed properly.
- Ask for a concrete outcome: Spell out whether you want a reversal, correction, refund, account fix, or a clear written explanation.
- Keep it on one thread: Ask for a written reference or acknowledgement and keep all follow-up in the same complaint trail.
The first response from 86400 often turns on how clearly the issue and evidence were set out when the complaint was lodged.
- Acknowledgement: You should get a case number, email, or some written sign that 86400 has logged the complaint.
- Review: The business will usually look at account details, transaction references, statements, screenshots, and prior emails and the part of the service tied to the complaint.
- Response: A useful answer should explain what 86400 found and whether it will offer a reversal, correction, refund, account fix, or a clear written explanation.
- Push-back if needed: If the reply is vague or misses the key point, answer on the same thread and restate the unresolved issue in plain language.
Common complaints against 86400
The complaint themes most likely to matter for 86400 are below. Use the one that best matches your issue.
- Bank's customer service: Slow replies, handballs between teams, or support that misses the actual problem.
- Account fees: A recurring friction point that is worth naming clearly in your complaint.
- Mobile app functionality: A recurring friction point that is worth naming clearly in your complaint.
86400 complaints submitted through Ajust
If 86400 is still not dealing with bank's customer service, account fees, and mobile app functionality properly, escalate without restarting the complaint from scratch.
- Escalate internally first: Ask 86400 to move the complaint to a manager, specialist complaints team, or formal review path.
- Keep the same chronology: Do not restart from scratch. Re-send the timeline, evidence, and the outcome you still want.
- Move externally when the internal process stalls: If the business still does not deal with it properly, the practical next step is usually AFCA after the bank's internal dispute resolution process.
When the internal process at 86400 stalls or misses the point, the next step is usually an external complaints or regulator route.
- Main external path: AFCA after the bank's internal dispute resolution process
- Why this route matters: ASIC may matter for broader conduct issues, but AFCA is usually the practical complaints route for consumers.
- Before you escalate: Keep your full 86400 complaint trail together, including receipts, screenshots, emails, and any written responses.
These are the clearest source-backed complaint paths we could confirm for 86400. Use the route that best fits the issue.
86400 Complaints FAQs
Which channel should I use to complain to 86400?
If you want the complaint on record, use the complaints email rather than a casual enquiry path. Keep the whole complaint in one written thread if you can.
What happens after I submit a complaint to 86400?
Most complaints follow the same pattern: logged, reviewed, answered. Keep the reference number and push back in writing if the outcome is weak.
What complaint issues come up most often for 86400?
The common pressure points are bank's customer service, account fees, and mobile app functionality. A complaint that is specific about the theme tends to be easier to escalate.
Where can I escalate a complaint about 86400 externally?
If the internal process is exhausted or stalled, the next practical step is usually AFCA after the bank's internal dispute resolution process.
You’ve done your part, now it’s time to hold 86400 accountable.
Take the final step and submit a complaint that gets seen and responded to.