First of all, I declare that the author is a law-abiding citizen of the People's Republic of China and has no record of bad, dishonest or violation.
On February 1, 2024, A-shares continued on that day**. The ** of my position also fell significantly.
Without any notice, I discovered that my debit card account in the third-party depository of ** company was suddenly frozen.
On the same day, I quickly redeemed the 10,000 yuan currency ** for margin replenishment in two quick redemptions in **company, and I couldn't transfer it to the card. Without transferring to this card, I can't access funds; It is not possible to make a margin call on what I have already made a substantial **. (Because the currency ** I hold is redeemed quickly, I can only enter the third-party depository account of the bank first.) ）
At the same time, what makes me even more desperate is that this debit card has been frozen all the transfer functions, and I can't transfer extra-foreign funds through it, I can only watch the **large** amount of my position and lose ** opportunity.
After the incident, I called the bank's customer service, and from the customer service to the branch that gave me the card, they all pretended to be innocent.
Obviously he was the initiator of the problem, but he didn't explain it truthfully, and asked me to find **company and **company. Say, is it not redeemed ** not transferred out. Let me toss back and forth between ** and the bank.
It wasn't until I tried to transfer money to this debit card with my other bank card, and was told by the system that "the account name does not match the account" and the transfer failed, that I realized that my bank card was frozen.
I called the card issuing branch again.
I said: Obviously you froze my bank card in violation of laws and regulations, and you still pretend to be innocent?
Only then did they admit their fault. Then I found an excuse and said that my card had expired, and said that it was a system problem.
I said, just as you said that the card expired and could not be used, why not inform the customer in advance? Because of system problems, can the losses caused to customers be irresponsible?
That's when they said they're sorry, so please come and do it for me.
I don't want to talk to them anymore.
I hung up**.
Think about the experience of these few days.
I'm a little angry.
A bank debit card in my own name, card and PIN are in my own hands. As a law-abiding citizen of China who has no record of any violations and bad integrity; Without any notice and without any legal formalities, the bank instantly deprived me of the right to use the debit card, that is, deprived me of the right to dispose of the property in the card, and made me work hard to ......
This cannot be tolerated in any way.
I picked up my phone and dialed the CBRC to complain**. The demands are as follows:
1. Why the bank suddenly illegally froze my debit card account in violation of regulations, must give a reasonable, legal and compliant explanation.
2. The bank must immediately and unconditionally restore all the original functions of my debit card.
3. The bank must make reasonable compensation for the mental and economic losses caused to me by freezing the use of my debit card in violation of laws and regulations.
On the morning of February 5th, my debit card function was back to normal.
At noon, the president of the card-issuing branch called to apologize and asked me to go to the bank, promising to give 500 1,000 yuan in kind compensation.
On the morning of February 9, 2024, the Chinese New Year's Eve, I went to the branch that issued my card as scheduled.
When I arrived, the president was already standing at the door and was greeted with a smile on his face.
When I entered the door, I gave up my seat, poured tea, greeted me, and apologized.
Just as I was amazed at the president's humility, he took out two papers and asked me to sign them.
It turns out that all humility is here.
Let me take a closer look: it is the financial consumer dispute mediation document required by the CBRC.
That's when I got it. In the event of a dispute between the customer and the bank, the complaint is filed with the CBRC. If it is found to be true, the CBRC will file a case. The local people's mediation committee for financial consumer disputes will be asked to mediate first. If the mediation is successful, the consumer shall withdraw the lawsuit and report to the CBRC for the record; If the mediation fails, it will enter a new judicial process, which means that the bank will be in trouble.
I would like to express my sincere gratitude to the state for its protection mechanism for the rights and interests of financial consumers.
In daily life, the strength and bullying of banks are not without constraints!
Here, I would like to tell my friends with my personal experience: there is no need to swallow your anger about the bullying behavior of the bank, please call the CBRC to complain** and protect your legitimate rights and interests.
That morning, the governor helped me get Didi, and personally helped me carry large bags of gifts (compensation) into the front seat of the taxi, and then watched me get into the car and waved goodbye to me.
I have no intention of considering the value of these gifts. Fundamentally, what I want is the attitude of the bank and the legitimate rights and interests of a financial consumer.
My goal was achieved.
When the taxi driver learned that the person who helped me carry the gifts was the president of this branch, he said with envy: You must be a big customer of this bank, and you must have more than 10 million deposits in this bank.
He thinks I'm good, I just think I'm cool at this moment.
Original work, do not use without authorization.