Tangerine no longer has live chat?

I think they might've axed it. Take a look at their Contact Us page. Then take a look at an archive of their Contact Us page from late May, which is the most recent archive.

The archived page has a section called "By online chat session" that's gone from the current page.

I find it particularly insulting when a company has a web site offering Chat that turns out to be "we can't be bothered to talk to you as a lowly customer, so instead why don't you search for the answer in our sketchy FAQ and we'll pretend that's chatting with us".

I was really impressed with TD this week. I opened my account in the app and found an error. I clicked on the Contact Us and the app automatically called TD. The rep picked up on the first ring, spoke perfect english and after verifying my info had an answer for me in less than a minute. I was off the phone in less than 2 minutes with the answer to my question, I couldn't believe it was that quick or easy.

Another case of "tangerine as a verb", methinks.

... I mean SERIOUSLY? For an ONLINE BANK!? This is not how to do right by your customers. It will also create a big issue for international customers who used chat to avoid expensive phone bills.

They don't have email support either ?

(en) Support [sup-ort], noun and verb

A quaint notion of the late 20th century which suggested that "customers" (n., see "suckers") should receive assistance from companies offering products and services.

I've attempted to use FI Chats but are rarely useful even if reaching a "human" as front line employees are poorly experienced or trained. Most FI's have downsized staff significantly (likely due to legacy / salary costs) and when rehiring do so with novice staff educational/work experience.

My experience(s) in a nutshell is a "human" chat is only marginally better than canned responses from a bot because they are likely taking from the same canned scripts.

Universally, CS experiences are becoming more angering than helpful.