Enpara Applied Credit Card Restructuring Without My Approval

On 30.04.2026 I was called by Enpara for an information call. During this call I was told that the restructuring interest rates for my standard credit card had changed and I was asked whether I wanted a new restructuring under these new rates. I clearly stated that I did not want any change, that I preferred my card to remain as it was, and I ended the call by thanking the representative. However, on the same day at around 21:00, I received an SMS on my phone stating that the restructuring process for my credit card had been carried out and that my information would be shared. I immediately contacted the bank and was told that a confirmation SMS would be sent to me and that no transaction would be processed unless I approved this SMS. Despite this, on 01.05.2026 I saw that the restructuring had been applied to my credit card and I received an information message about it. When I called the bank again, I was informed that it was a public holiday, that a complaint record was created with the number IM40384991 and that action would be taken regarding the issue. Although the last payment date of my credit card installment is 08.05.2026, which is today, no correction has been made yet, the erroneous restructuring reflected on my card still continues and I am facing the risk of being charged late payment interest. For the last two days I have called the bank many times, but apart from being told that my file is “under review”, no concrete step has been taken. I request that this erroneous restructuring, which was applied to my card despite the fact that I clearly did not approve it during the phone call and did not approve any SMS, be completely cancelled, that my debt and installments be restored to their pre-restructuring status and that all late payment interest that has arisen or may arise during this process be deleted in full. I expect the responsible staff who made this mistake and have not corrected it for days to urgently resolve my grievance and compensate for their error.