Where to complain about binbank credit cards. Complaints and reviews about binbank
Despite the fact that the amount of debt on Binbank Credit Cards (former Moskomprivatbank) I have about 20 thousand, I still decided to do what I should. I don't think the bank will sue me. But still I wrote a letter to the bank.
I didn't expect it to be answered in any way.
However, sending such an email solves some problems:
1. I can always refer bank employees and collectors to the text of this letter without explaining anything. Thus, I can somehow protect myself from collectors.
2. If, nevertheless, a trial takes place, I will be able to confirm my decency - I did not hide, I made contact, tried to negotiate.
My regular readers know what is the main reason for the termination of the loan payment to Privatbank. Who does not know - I refer to mine.
But I did not write about my views on the situation, but only wrote about what the bank really cares about - about money.
Here is the text of the letter that I sent by registered mail with notification:
To whom: Head of the credit department of CJSC "BinBank Credit Cards"
127299, Moscow, st. Cosmonaut Volkov, 14.
Tel. +7-495-787-68-88,
From: xxx Alexander Alexandrovich,
xxx Taganrog, Rostov region,
tel. 8-9xxx
Statement
I, xxx Alexander Alexandrovich, wish to inform you of the following circumstances. In 2012, an envelope came to my postal address from CJSC MKB Moskomprivatbank, in which there was a Universal card No. ххх3682. I activated the card by phone and paid monthly loan payments, which I have supporting documents.
However, since January 2015 I have had financial difficulties, and since May 2015 I have not been able to pay the remaining amount.
My wife lost her job due to poor health. There are relevant documents about this.
I am raising two minor children. So I have 3 dependents. In addition, at the enterprise where I work, wages are delayed and the amount of the bonus has been significantly reduced.
In this regard, I inform you that at the moment I am not able to pay to repay the loan. However, I do not refuse my credit obligations, and I ask that my case be considered in court, in the manner prescribed by law.
Also, I withdraw my consent to the processing of personal data by third parties.
Sincerely, the client of CJSC MCB "Moskomprivatbank", xxx A.A.
It is worth saying that in the case of a court, you need to be able to confirm what was said in the letter with documents.
And now, about a month and a half later, I received an answer. True, by e-mail, and this was done by sending me an SMS with a link:
Thank you for your feedback. I'm sorry that you had to contact the bank with an official letter and could not get advice in convenient feedback channels. We will gladly give a comprehensive answer to all your questions.
Dear Alexander Alexandrovich, 07/09/2015 CJSC "BINBANK credit cards" (from April 21, 2015 renamed to JSC "BINBANK credit cards" in accordance with the Letter of the Central Bank of the Russian Federation No. T1-28-6-03 / 6783 dated 07.05. the following requirement: "I ask you to stop accruing interest, sue me, due to the inability to pay the debt."
We ask you to analyze the situation again, for our part, we inform you that payment of the debt will help to avoid legal proceedings and court costs.According to Art. 420 of the Civil Code of the Russian Federation of the Civil Code of the Russian Federation, an agreement is recognized as an agreement between two or more persons on the establishment, change or termination of civil rights and obligations. According to paragraph 1 of Art. 425 of the Civil Code of the Russian Federation, the contract enters into force and becomes binding on the parties from the moment it is concluded. The terms of the loan agreement concluded between you and JSC "BINBANK Credit Cards" comply with Art. 819 of the Civil Code of the Russian Federation, which provides that under a loan agreement, a bank or other credit organization (lender) undertakes to provide funds (credit) to the borrower in the amount and on the terms stipulated by the agreement, and the borrower undertakes to return the amount of money received and pay interest on it.
The loan agreement is bilateral, which gives rise to the obligation of the bank to provide a loan and the obligation of the borrower to repay it and pay interest for using it. The specified obligations of the borrower, to pay interest to the bank for the use of credit
funds, indicates that the loan agreement is in all cases compensated.The amount of interest, the procedure for their payment are determined in the contract depending on the group
credit risk, level of collateral, term of use of the loan, discount rate and
other factors.Loan repayment is the basic principle of lending. Due to the fact that the lending mechanism in the Bank is closely related to other banking programs (deposits, etc.), the failure to return the loan, interest and remuneration, may adversely affect the functioning of the bank as a whole.
In addition, we would like to inform you that since loan agreements are related in accordance with Art. 426 of the Civil Code of the Russian Federation to public contracts, the Bank, as a commercial organization, is not entitled to give preference to one person over another in relation to the concluded public contract, except as provided by law and other legal acts.Considering the above, unfortunately BINBANK Credit Cards JSC is forced to refuse your request.
“Please do not transfer my personal data to third parties.”
Information about the performed or proposed cross-border data transfer. According to Part 1 of Art. 9 FZ of July 27, 2006 152-FZ “On Personal Data”, the subject of personal data decides to provide his personal data and agrees to their processing freely, by his own will and in his own interest.
Clause 1.3.2.11. Customer who has acceded to these Terms and Conditions
provision of banking services agrees to be carried out by the Bank, as
Personal data operator (p / n - 10-0134068, based on the order of the Federal
services for supervision in the field of communications, information technology and mass
communications (ROSCOMNADZOR) No117 of 06/09/2014) processing (including collection, recording,
systematization, accumulation, storage, clarification, (update, change), extraction,
use, transfer (distribution, provision, access), depersonalization,
blocking, deletion, destruction), as with the use of means
(automated processing), and without the use of such tools
(non-automated processing), my personal data, namely full name (incl.
former); Date of Birth; Place of Birth; data of the document certifying
identity and citizenship; floor; address and date of registration at the place of residence or place
stay; data of the migration card, a document confirming the right
foreign citizen or stateless person for stay (residence) in
Russian Federation; Contact Information; information about education, employment
activities, wages and other income and expenses, information on credit
history, military registration, family, social and property status, TIN,
information about the number and series of the insurance certificate of the state pension
insurance, photo and video images, as well as other information contained in
documents additionally submitted to the Bank, necessary to achieve
these purposes and provided for by the current legislation of the Russian Federation, in
in accordance with the requirements of Federal Law No. 152-FZ dated July 27, 2006 “On
personal data".The personal data specified by the Client are provided for the purpose of concluding and executing an agreement on the provision of banking services, including a consumer loan agreement with a credit limit using bank cards, providing services under the agreement, performing the functions assigned to the Bank by the legislation of the Russian Federation, as well as for the purpose of informing about other services of the Bank (in order to promote goods, works, services on the market by making direct contacts with me using means of communication) for a period until full performance and termination of contractual obligations to the bank, but not less than the period provided for by the current legislation of the Russian Federation for storing such information
after termination of customer service. In order to fulfill the contract, the Bank has the right to entrust the processing of my personal data to another person, including JSC "BINBANK" (121471 Moscow, Grodnenskaya st., 5A), in accordance with which the Client gives his consent to the processing of personal data to this person. The names of persons, as well as the address of these persons, are indicated on the official website of the Bank, as well as in the Bank's customer service offices. Clause 1.3.2.19. In order to detect and prevent fraudulent transactions, the Bank has the right to transfer the Client's telephone number to the mobile operator. The Client consents to the transfer to the mobile operator of information about the mobile phone number that was provided to them during the identification procedure by the Bank.The Bank is always ready to cooperate on the basis of matching mutual actions
the legislation of the Russian Federation.If the information provided in the response is not clear to you or does not satisfy you, send an SMS with the text 6312 to number 1255 (the cost of sending is according to the tariffs of your mobile operator). Our employee will contact you to clarify the details. We study all your suggestions, comments and complaints so that unpleasant situations do not recur in the future.
Since April 21, 2015, Closed Joint Stock Company "BINBANK Credit Cards" has been renamed into Joint Stock Company "BINBANK Credit Cards" in accordance with the Letter of the Central Bank of the Russian Federation No. T1-28-6-03/6783 of 07.05.2015.
Highlighted important places.
An extremely adequate and competent answer is a refusal. This is not the first time I receive a letter from Binbank and banks in general, and I have something to compare with.
Binbank is honored that he answered my letter to me.
Well, that the answer will be just that - no doubt.
Good afternoon!!! In 2008, he signed a loan agreement UNIVERSAL CARD WITH A LIMIT OF 2500 t rubles with MoskPrivatBank in the city of Adler, for 6 years he paid interest regularly, even closed it completely twice, which resulted in an increase in the limit to 32,000 thousand rubles !!! In November 2014, my card was blocked, calling the support service, they told me that the card was blocked for an indefinite period, you will be notified about the decision to unblock in SMS informing, I could not use it, only replenish the account, without saying that they already are not MoskomPrivatBank, and presented themselves as employees of PrivatBank, as it turned out later, the bank was bought out by CJSC BINBANK Credit Cards back in May 2014!!! As a borrower, both PrivatBank and BinBank did not notify me in writing of the change of the credit institution and I personally did not sign an agreement with them, which is stated in Article 382-385 of the Civil Code of the Russian Federation ("The new Lender is obliged to notify you of the transfer of the right to claim on the loan or the occurrence of succession An additional agreement or a written notice of the transfer of the right of claim must be signed personally by me. Only then is the new creditor legal") Also Article 387 of the Civil Code of the Russian Federation - "Transfer of the Rights of the Creditor ....", Article 389 "Form of assignment of rights ... .!!! I would have paid more, but when I contacted the bank for clarification, the bank did not provide me with any documents and contracts, they just shrugged me off and said that you are obliged to pay! photo below ....... Help me deal with this issue and how to proceed?Please note that in the letters there are different dates for the conclusion of the contract, then from 10.24. send me by registered mail, all documents on the assignment of rights, an agreement or a copy of the agreement, the right to succession, otherwise I will be forced to go to court myself, the application has already been written to ROSPOTREBNADZOR !!!
Quote: Denis
Good afternoon!!! In 2008, he signed a loan agreement UNIVERSAL CARD WITH A LIMIT OF 2500 t rubles with MoskPrivatBank in the city of Adler, for 6 years he paid interest regularly, even closed it completely twice, which resulted in an increase in the limit to 32,000 thousand rubles !!! In November 2014, my card was blocked, calling the support service, they told me that the card was blocked for an indefinite period, you will be notified about the decision to unblock in SMS informing, I could not use it, only replenish the account, without saying that they already are not MoskomPrivatBank, and presented themselves as employees of PrivatBank, as it turned out later, the bank was bought out by CJSC BINBANK Credit Cards back in May 2014!!! As a borrower, both PrivatBank and BinBank did not notify me in writing of the change of the credit institution and I personally did not sign an agreement with them, which is stated in Article 382-385 of the Civil Code of the Russian Federation ("The new Lender is obliged to notify you of the transfer of the right to claim on the loan or the occurrence of succession An additional agreement or a written notice of the transfer of the right of claim must be signed personally by me. Only then is the new creditor legal") Also Article 387 of the Civil Code of the Russian Federation - "Transfer of the Rights of the Creditor ....", Article 389 "Form of assignment of rights ... .!!!I would have paid further, but when I contacted the bank for clarification, the bank did not provide me with any documents and contracts, they just shrugged me off and said that you are obliged to pay! note that in the letters there are different dates for the conclusion of the contract, then from 10/24/2008, in the last one it’s generally 11/08/2008 Please send me by registered mail, all documents on the assignment of rights, the contract or a copy of the contract ra, the right to succession, otherwise I will be forced to go to court myself, the application has already been written to ROSPOTREBNADZOR !!!
I have been a client of the bank since 2008, I serve the Visa Gold card, as well as my individual entrepreneur. I have to inform you that non-professional louts work in the Rostov branch of BINBANK OJSC.
On August 26, at 18:41, I parked my car in the parking lot for bank customers at 32/65 Sholokhov Ave. Leaving his wife in the car with the windows open, he went to the bank on business. At the exit of the bank, I saw that my car had blocked a black Mitsubishi Lancer X, leaving me with no possible options for leaving the parking lot. Of additional interest is the fact that there were free spaces in the parking lot that could have been used without difficulty. As usual in these cases, I tapped the Mitsubishi wheel, but the alarm did not work. After a couple of seconds, a young man came out who, in a rude and boorish manner, asked me to stop banging on the wheels of his car. As it turned out later, it was S-v Ivan Sergeevich, an employee of the bank. Made him a remark about inappropriate behavior and tried to explain that blocking customers' cars is at least unprofessional. He received a new stream of rudeness in his address, after which he again made repeated verbal remarks about the behavior of a bank employee with a client. S-in I.S. I ignored the remarks and continued to try to find out the relationship, which is noteworthy, referring to me as "you", thereby further aggravating my behavior.
I did not intend to endure such an attitude from an employee of the bank in which I have been serving for a long time, so I again went to the bank's office to write a complaint. S-in I.S. followed me. Further, for 20 minutes I tried to find out his last name, while S-v I.S. continued to argue with me, to prove something and tell me what to do in front of other bank employees. I asked him several dozen times to introduce himself and give his position so that I could write a complaint, but he refused and excused himself by saying that he was an employee of another branch. Ultimately, his name was suggested to me by other employees of the bank. And even when I started writing a complaint, he still tried to sort things out with me, although I made it clear that there would be no more conversation with him and once again asked me to leave me alone.
After filing a complaint, having wasted my nerves and time, I went out to my car, and S-v I.S. followed me, continuing to sort things out, repeatedly using obscene expressions against me, as well as the phrase, I quote, "Your complaint is nowhere if it doesn't work, do whatever you want." Other no less interesting verbal turns were used, which my upbringing does not even allow me to write.
Thus, it turns out that an employee of BINBANK OJSC in Rostov-on-Don, St. Ivan Sergeevich, not only blocked my car in the parking lot, but he was also publicly rude and rude to a regular customer of the bank.
Unfortunately, at 19 o'clock there was not a single manager, not a single boss, and even more so you, who could personally verify my words and stop the boorish and rude communication of S-va I.S. I believe that this behavior of your employee is beyond the scope of professional ethics, is proof of his lack of professionalism, and therefore I ask you to take disciplinary measures against S. Ivan Sergeevich, who discredits your institution, and also to limit his communication with bank customers and protect me from interacting with him.
Binbank is a well-known metropolitan bank that works with clients in the field of lending and deposits. To answer customer questions, Binbank provides various ways to contact the bank.
If customers do not know how to contact Binbank, then you need to go to the bank's website, follow the link: www.binbank.ru and find out the necessary information.
On the Binbank website, customers can find out the following information:
- VKontakte: vk.com/binbank;
- Instagram: instagram.com/binbank_ru;
- Odnoklassniki: ok.ru/binbank.
The Binbank page is also posted on the official YouTube website, at the link: youtube.com/user/BINBANKrussia.
If customers are interested in information about the details of the bank itself or its branch, then this information can be found on the official page of the bank, at the link: www.binbank.ru.
Here are all the details where customers can pay their credit or other bills.
In order not to constantly get confused in the information, Binbank provides its customers with a print page with data.
If the client has constant access to the Internet, then he can freely contact the online consultant.
After clicking on the main page on top of the section "Online call". This feature is very convenient, because customers can quickly and free of charge get answers to all their questions.
For an online call, you need a camera on your computer. The client can also contact the consultant online using a mobile phone.
Frequently asked Questions
In order not to wait a long time for the operator and get answers to your questions, you need to go to the bank's main page in the frequently asked questions section, following the link: www.binbank.ru.
In Binbank, this section is called "Feedback".
In this section, customers can find out questions about any section, such as loans, deposits, mortgages, service packages, cards, and so on.
Attention! The feedback section works according to the following scheme: the bank's clients ask their questions, and they receive answers from the bank's specialists in the shortest possible time.
For example, to the frequently asked question “at what age can clients open their own deposit?”, the consultant will answer: “a person from the age of 14 can receive a deposit and documents will be required to receive it, which confirms the identity of the client.”
Each bank offers citizens a hotline for contacting. As in many institutions, the B&NBANK hotline is free of charge.
Free call center of BINBANK
The hotline exists to provide assistance and solve problems that arise when using banking products, as well as provide consulting services. Today, using the hotline number at BINBANK, you can get any information of interest for free:
- Types and distinctive features of credit programs. Assistance in choosing a loan option for the needs and characteristics of the borrower. Explanation of the rules for calculating the interest rate.
- Types of deposits in BINBANK. Selection of the deposit program according to the client's conditions.
- Types of card products, description of exceptional conditions (cashback, income per balance, discounts), withdrawal limits, transaction fees.
- Types of credit cards, features of assigning a credit limit, rules for repaying a debt in an interest-free period.
- Bonus program: features of accrual of points, rules for their use.
By contacting the BINBANK hotline number, an existing or potential client can clarify the nuances of all the bank's products and get help in choosing the best option for themselves.
Hotline telephone numbers
BINBANK hotline number 8800 200-50-75 is free for calls from any regions of the country. For residents of Moscow, an additional free number is provided: 8 495 755-50-75.
For existing customers, the B&NBANK hotline phone is needed mainly to solve emerging problems:
- Check the status of the submitted application;
- Unable to make a payment or transfer from a card;
- There is no access or there are difficulties in working with the BINBANK Internet Bank;
- The card was stolen or stuck in an ATM. In this case, the card will be blocked.
- Unauthorized use of funds detected;
- Filing a complaint against an incompetent employee;
Remember, if you don’t know how to perform a certain procedure or you encounter incorrect functioning of one of the bank’s services, you should contact BINBANK at 8800 200-50-75.
Conclusion
There is a free BINBANK hotline number that you can call from any part of the country: 8800 200-50-75. With the help of the B&NBANK operator, you can get advice on any issue or resolve the difficulties and problems that have arisen.
Loading...
