I Was Denied My Promised 0 Percent Interest Overdraft Usage
On 14.08.2025, I received an SMS from Akbank stating that I could use Overdraft with 0% interest between 21.08.2025 and 09.09.2025. To be sure, I called customer service the same day at 16:33 and asked for detailed information. I explained that it would be my first time using Overdraft and asked, for example, if I used ₺120,000, how and how much I would need to pay back. The representative told me I could repay it in 3 installments with 0% interest. This call is also recorded in their system. However, today, 21.08.2025, when I logged into the Akbank mobile app to use Overdraft, instead of 0% interest I was faced with a 4.79% interest rate. When I called customer service again, they told me that 0% interest only applied to cash withdrawals, without installments, and only if the money was withdrawn and repaid within 18 days. In addition, just yesterday (20.08.2025), I received another campaign message about a 1.99% interest rate. When I pointed out to customer service that the information I was given previously was the exact opposite of what they were telling me now and asked which one I should trust, they simply told me to “file a complaint.” The representative refused to give the name of the colleague who misinformed me and only said a complaint could be filed with the call date. They also stated that the information given by the bank staff did not represent the bank and that the misinformation and refusal to honor the campaign were not the bank’s responsibility. I do not accept this approach. Furthermore, back in January 2025, I experienced a similar issue with a credit card application. I was asked to reduce my limits at other banks, so I canceled my ₺100,000 Denizbank credit card, but despite this, Akbank never issued me a credit card. On the same day, I was able to instantly get approval and receive a card from other banks. Throughout that process, only ₺1 was withdrawn from my account and then returned. My demand is that my right to use Overdraft with 0% interest and installments, as I was promised, be honored. As for the credit card application, that is their decision, and I have no request regarding it.
