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28.10.2013 | 豈有如此

[Volume 8 Issue 10, #1811]
我其實唔鍾意呢間銀行H, 之前已經cut晒佢啲戶口與信用卡, 以為從此互不相關啦.. 誰知年前佢收購咗我另外一張信用卡嘅銀行E, 但係銀行乙呢張卡又好多優惠我唔想cut住先, 所以兜兜轉轉又做返銀行H嘅顧客.. 好喇, 銀行H嘅作業系統確實係令人摸不著頭腦, 上個星期發現信用卡賬單有問題, 一連數日嘗試多次都login唔到入佢嘅網上理財, 我確定密碼冇錯, 不過佢就一直鬧我話俾錯密碼!! 終於忍唔住打去客戶服務中心..
i really don't like this Bank-H and i have actually closed my accounts as well as cancelled all cards with them.. when i thought i have no relationship with Bank-H anymore, they acquired another Bank-E which i hold a credit card with last year, but this card has lots of perks that i don't wish to cancel, hence i fell back being a customer of Bank-H again.. okay, their system is kind of weird, last week i realized a dispute in my credit card statement, but logging in to the online banking for days and yet i got the "invalid password" message though i am very certain that i have keyed it in right!! hence i could not take it anymore and called up the customer service..
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70 comments:

  1. Oh dear, I hope all will run smoothly for you eventually... I have a few credit cards too, I wanted to cancel them cos of the govt service but then they waived it off each year after calling them... Some banks can be very particular about certain login-s... but I do find online banking very convenient after registering in the bank for the first login.
    So far, I do not find any error in my credit cards statement.. do you keep those transaction slips? Sometimes I lose them too.. :)

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    Replies
    1. For the first timer, I think should keep those references copy. But for me after sometime dealing with online banking...I don't think I keep them anymore.

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  2. Good morning, SK. That sounds troublesome. Anyway, hope all will be settled soon.

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  3. Back to old-age style.

    The bosses must be buta IT. That's why. LOL

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  4. For bank's customer service, I must say I hate Bank U the most.

    So unfriendly and so rigid.

    If have no authority to answer, just go and check with your supervisor. Don't just say no, we cannot do that or no.

    By them being all cold and unfriendly, they made me write comlain letters three pages long! LOL

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  5. So this is the bank that credit card gives you free tickets eh?

    Sayang to let go la...

    How to go pak tor at minimal cost like that. Hehehe

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  6. Replies
    1. After I read your post, I faster log on to my online account which I think I didnt check for more than a few months already. See whether kena block or not..

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    2. LouizYee, I think it is a wise step to keep your online banking active by log in and log off a few times. Or else the account will be a domain account and probably ended up like SK, need to go to the bank or so to re-activated the account.

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    3. Dormaint yeah...sorry eh. I got penyakit like Meow too... think the other way and can right the other way too.

      Thanks Lina

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    4. Dormant.

      Not dormaint. ;)

      Delete
  7. Vanakum! Aiya they should have engage your service to improve their system

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  8. Had the same experience of over 3 months 'sleeping' with difficulty in logging in and that increased bp

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  9. I think we have the same banks...and yes, I thought online banking with Bank E was a lot better than with Bank H but I'm getting quite used to it now...and yes, the service at the branches here sucks big time too!!! I prefer my other bank, AB...lots better at the branch I frequent and it's near my house, just round the corner..

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  10. grrr...me too fed up with some of these bank so call e-banking la...some so MUCH problem leh.....geram...this cannot there cannot...

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  11. grrr...me too fed up with some of these bank so call e-banking la...some so MUCH problem leh.....geram...this cannot there cannot...

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  12. I have friends working in Bank H ...yeah...they also complaint that they work like a dog...what to do...

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    Replies
    1. Yes that bank exploit their staff because their HQ's culture is like that. They only hire willing slaves!

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    2. Now Banks also can gertak staff...

      Banks are restructuring everywhere and lots of redundancies.

      A lot of staff might get VSS or MSS.

      So kena keep quiet and kowtow if still wanna work lor...

      Delete
  13. Item 1 really doesn't make sense. What for wanna go and delete and re-register one more ebanking ID
    If that is the case, they might as well straight away delete the ID after 3 months not used. Better than wait for customer to delete it. It's their decision to suspend/deactivate the ID. They are the one who should re-activate or delete it mah. Why leave the burden to the customer. Some more have to waste your money and time to all them up. and from what you said the customer service people also nevere been trained properly. Customer ask one thing baru reply one thing. They expect customer to know A to Z meh?

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    Replies
    1. From the sound of this thing...looks like the migration of the data for those two bank are not seamless leh.

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    2. Mine kena before with Bak H and Bank E on hire purchase. Adoi...to renew road tax and insurance have to run to two branches.

      Then some more this branch say can renew but have to collect from another branch ...then call the other branch the person in charge attending customer la...when finally gt the person..the person say not in charge of that..Mr X is ....then asked to pass to mR X..he not in yet...call up later gone out with customer... left message...tarak reply called up again...err....4pm liao..not sure will come back to branch or not...bla bla....vomit blood to the max

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    3. Meow,
      That one I also experience with Bank R. Pening lor...

      But with Bank H also got. With one of their officer about my HP. Nasib baik itu officer resigned and my account was dealt by another officer who was more efficient.

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    4. Different banks have different services and frills except all their interest rates are controlled by Bank Neg. I prefer to use that Pubic-Bank for its hairless and easy service to book my airtickets online. That CCB Bank has so much security issues that got me rejected so many times. So damn malu!!!

      Delete
  14. Item 2 really funny la...they expect the password to be ngum ngum 8 number and alphabets ah?

    ya lor...as far as i know alway is ask to put longer password. Not shorter one leh. Kena before if shorter one will be rejected le...why la this bank so funny one.

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    Replies
    1. But this one kira okay la....

      I wanna complain is one CXXB bank...internet banking dah la so darn complicated...have to apply online then duno go to their ATM to get the security codes then go online again to key in and if certain days not active then deactivated...as for ebanking to do purchases also very difficult as they don't allow to buy certain things like plane tickets. if wanna buy plane ticket then have to have verification code and duno what the heck some more....

      Called customer service pulak ask me go branch bla bla...like that i damn malas la....let them suspend la the ID. No eyes see. No Id less temptation to buy 5453 online

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    2. one more C bank is stariting to get on my nerve liao...used to be and easy and friendly banking. Now they wanna merge the accounts together and then as me do this and that.

      Beh tahan is that click each screen will have to see the security pin which send to my handpone...if i wanna go 10 screen then the phone will keep beeping. sei moe...very troublesome...now some more got e-statement wiith secured password...i key in correct password but kept cannot open the file...loosing my patience liao with this bank

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    3. I so far OK with e-banking.

      But got also lah one time Bank M get on my nerves.

      No issues, then no need to deal with their customer service kira nasib baik!

      Delete
  15. Your item 3 really KNS to the max lo......if like that no need ebanking la....waste of time....

    instead of paperless it become papaer more leh. Like tarak kerja cari kerja...maybe the top people purposely do that ah so that can justified they are working and no need to retrench staffs?

    I think the staffs will also get pissed off with these procedure. It's like customer service side is pushing the work back to thebranches., You know la...after you fill in the form the branch will have to process then go through ao many levels. How long before they can reply you in the dispute then? two weeks?

    it's like going back to the dinosaur age la

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  16. I have given up all the easy frills of online banking especially the auto payment of bills by credit cards. While we make it easy for our suppliers with auto payments, the pros & cons are there. When I encountered wrong billings, it was so tough to file complaints and redeem. It was damn frustrating!

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  17. Now I live nearby 5 major banks and that's only walking distance from my home. I can check and withdraw at the ATM easily. The only fear I have is the robbers!!! I fear that they will rob me and discover I have so little money to give until they will shoot my foot instead! Muahahaha

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  18. You had headaches with Bank-H and I had nightmares with the credit card from Shitty-Bank. After scolding them left and right, I terminated the card and it took them more than 1 year to get out of my blood system as they kept sending me monthly bills with RM1.26 credit. I told them to keep that RM1.26 or send me a cheque. Adoi.

    Why did I terminate? I thought I was a good client who swiped so much until my points could redeem a nice Echolac Suitcase! Yet one day they sent me a note to say that they have reduced my credit limit because of my no-activity for months! KNN! I was trying so hard to clear the high amount which I owed many years ago and decided to lock away that card in my drawer until I have cleared all. Isn't that a good news on my effort but that bank decided to slap me on the face by reducing my credit limit. It was just a sliver card they gave me!! Other banks were already giving me Gold and Platinum at that time. So bye bye to them.

    They still send me their Credit Card E-Newsletter junk mails until today. Bloody Ass.

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    Replies
    1. E-Newsletter - I always untick that when we need to agree their rules and regulations...

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    2. E-billings, I try to keep minimum transaction for that, just incase like yours buta buta deducted if we are not aware of the wrong billing amount. Really pist off when we want to get thing done...it takes time and patience...sabar je lah.

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    3. Your card silver colour is the silver of platinum right Anay? *wink wink*

      Delete
  19. This is a good post to share with us here. Thanks for your info!

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    Replies
    1. It can be very ma fan when we encountered this kin dof problem. Foremost dealing with money

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    2. Yea agree with you Angeline.
      Really very troublesome and frustrating, it's related to our money, such an important and sensitive issue.

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    3. Nowadays, bank will deactivated an account if it is no active transactions after 3 months. This include online banking as well.

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    4. Regards with banking issues many problem occurred when request us to go online/go paperless/go green. Usually, the bank will adviced us and not forcing. It is up to our decision. Once if you're signed up for online banking, for sure they will request us to have e-statement as well. Once we decided to take up that e-statement, we found it is very efficient that those statement send it into your inbox punctually. But for a duration of time, when we need to deactivated the e-statement and we required the print statement, a charges of RM10 is required. Seems like we all kena tipu or sometimes like is a trap to us. Previously asking us to sign up, apply this and that is FOC...but when we wanted it the other way, asking for service charges pula...

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  20. Good afternoon SK and everybody!! Another Monday, hur hur~

    The invalid passwords thingy, I had that a few times also, and guess what, it's the same bank-H as you >.< I also confirm I keyed in the right password! But error message showed saying something internal server error bla bla bla, asked me to call to the customer service center to solve. And end up, they also cannot solve my problem right away. And asked me to go to the branch to settle, kek sei nia.
    In the end I din't go, lazy and also no time!!

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    Replies
    1. Actually internet banking has bring us lots of convenience la! And I understand it's unavoidable for banking system to have bugs. I was in the IT field hence I totally understand it. But what I wanna say is that since this is a banking system, and thousands of people are using it, they got to be very effective in solving the problem ma!! Plus there are so many competitors out there, if you fail to please your customers, then they will sure switch banks lo!

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    2. And to un-register and re-register is such a tedious work!! Lots of information needs to be keyed in, so mafan!
      And for the 8 alphanumeric passwords, haha, true true, supposedly the longer the more secured. They should not limit the lengths la!!

      Delete
    3. The last one, I think this is the more ridiculous one, why ask your customer go all the way to the branch just to fill in one form? I thought everything goes paperless nowadays?
      And to those who are working in the busy city like KL, it takes time and patience la to travel to anywhere, cause of the traffic and distance!

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    4. Unless you know anyone from the bank itself.

      Delete
  21. Password is very tricky sometimes. Can be a bugs too like what Hayley mentioned.

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    Replies
    1. I heard my friedn told me that bank H is very troublesome to log in and not so friendly wor. But just like what you've said, tide up with loans and so on. No choice she has to stay and keep a good banking with bank H.

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    2. Came to your point #1
      1) The system is a robot they can't think one, so they will prompt up the same problem - password error
      2) Bank will not do that for us automatically, everything is upon request. Furthermore, the bank have out source party regards the system. They can't do unless customer requested for that. Or else is not that us misleading, is them. Hehehe... Usually need us to cancel with a written memo. Then after, register again like our first time. Headache right...so ma fan... I wish it can be like you have said - can't they reactivated automatically? No choice in term of bank procedures.

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    3. Since you've experienced that then we must keep the bank account activated.

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    4. For point #2:
      Yeah, 8 is quite a limited one. Most of them will request for 12-20 which is a very strong password with combinations of number and letters.

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    5. For the last one,
      I think this is very common. Not only your case, but other case like closing an account with bank book also we need to go to the bank to rectify some personal details. For me I feel it very ma fan too need to travel all the way to the bank to settle this matter. No online forms? I think they should have it, at least we can fill in the forms first before weheaded to the bank office. So it is more time saving and we can straight away get our turn's # and queue up. What you think?

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    6. When the bank required us to go to the bank that means, they need to see and we must pass our original IC to them, and we have to scan our thumb print just like passport procedure. So there's a need not to bypass this procedure. or else, the bank will always received all kinds of complain form by mail or emails. After that, who need to justify for them that the information is correct and valid?

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    7. SK, I think when you go over to the bank, why don't you "soon bian" lodge a complain of their services and online banking? ... boleh jalan tak?

      Anyway, it is good for you to mumble all your frust here with us. We always be your good listener...

      Delete
    8. I always find that your complain is best and most effective if you head to/contact direct to the top.

      No need CEO la. (Though I've written to Bank U punya credit card Big Boss once because I was so pissed off) but direct it to HQ.

      They might take a long time replying but they do.

      Go branch scold scold staff there also for what?

      It's not those staff yang jadi the policy maker.

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    9. Agreed with Lina, just like I help my friend made a complaint report to A through online. For sure it bring it up to the related department to solve problem. It works - the next day my friend received a call from A regarding her dissatisfaction of services they provided. Hehehe...not a very teruk complaint letter but telling them the difficulties my friend is facing and ended if is not improve then I mentioned at the last sentence - to cancel the account with A. My friend seek for my help after 1-2 weeks communicate with their customer service ppl via toll free number - but still no people concern about it.

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  22. About password thing, I've a story from my eldest sister to share, that's one time, I think is about e-banking also, she was asked to fill up the password with capital letter, small letter, numbers, she was trying so hard to get one to suit it, then that bank lady ask her to go the other computer outside to re-login again to activate it, the moment when she was in front of another computer, she forget the password.....it was just happened in few minutes and she forgot the password!!! When she got back she was keep complaining because of the password they required to set is too complicated... =.=!!!

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    Replies
    1. Sometimes the customer service people quite blur also, tried to apply a credit card for my mom, have no idea why they gave us wrong application form, after we done with done filled up everything and passed back to them on the other day(cause need to get my mom signature), the person said "sorry, it's wrong application form, please fill up the correct one again!" =.=!!! Got to do everything again....

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    2. Next time, ask them to fill up for you! LOL

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    3. For e banking, it happens to me once also, cause after I got that account, I just login to change the password then I totally forgot about it after, when I was trying to login again....I realized I forgot the password, after three times wrong password key in, then have to get another password from the bank again!!! =[

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    4. lina ~ my sister was the one due with it, I dropped her outside of the bank, and she came back and said they passed her the wrong form....=.=!!!

      Delete
  23. Another out of topic comment :

    Month end coming soon huh?

    Which reminds me...

    Haven't checked my Bank M account. Salary masuk last week dy.

    LOL

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  24. nvm you can keep in my account here, i pm u my details, let me keep for you~~~ haha~

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  25. It can be very frustrating when having problems with bank, there was once my ATM card was blocked and I could not withdraw any money, hope you can settle your problem very soon.

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  26. SK, you teased Hayley in her post about her bra size that she so shy, she doesn't even want to reply to your comment, muahaha.

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  27. 我最憎就喺乜都要親身去分行辦理,麻煩到死。 銀行C就最方便,上網或者打電話就搞掂!

    ReplyDelete