On September 27, 2025, an annual card fee of ₺1,100 was charged to my Garanti BBVA Bonus credit card without my knowledge or consent. This fee clearly violates Articles 4 and 6 of the Consumer Protection Law No. 6502 and Article 17 of the Regulation on Bank and Credit Cards. When I called customer service, I was told that ₺850 could only be refunded if I committed not to close my card for 9 months. Such an offer amounts to making a consumer right a matter of negotiation, which is unacceptable. Although I specifically chose Garanti BBVA, my loyalty has been effectively punished. Charging a card fee without my explicit consent is both unethical and unlawful. The Court of Cassation’s 13th Civil Chamber has also ruled in precedent cases that annual card fees are unfair terms and must be annulled. For all these reasons, I demand the unconditional and immediate refund of the full ₺1,100 charged as a card fee. Otherwise, I will file a complaint with the Consumer Arbitration Board.
As a Garanti BBVA customer, I do not actively use my credit card. While I have never had any issues with the statement payments of my other credit cards, a ₺1,360 annual card fee was charged to the statement of my Garanti Bonus Business credit card ending in 1011, dated 19/02/2025. I request the ca...
An annual membership fee of ₺776 was charged to my Garanti BBVA credit card ending with 6016 on 31.01.2025. I request the cancellation and refund of this fee in accordance with the legal provisions listed below, without any additional conditions. (The fee was charged without prior notice as of 01.02...
On April 15, 2024, Garanti Bank charged me ₺583 for a yearly membership fee on my Bonus credit card, ending with the digit 1015. I formally request that these dues be canceled in accordance with the applicable legal regulations, with no extra restrictions. Article 31, paragraph 3 of the Consumer Law...
On October 3, 2024, an annual membership fee of ₺678.50 was charged to my credit card ending in 3011. I am requesting the cancellation and refund of this fee by the relevant legal provisions, without any additional conditions. Under Article 31, Paragraph 3 of the Consumer Law dated May 28, 2014, car...
Despite having no outstanding balance on my Bonus credit card, which I've actively used for four years, Garanti BBVA has suddenly charged me a ₺583 annual fee. This fee was imposed without any prior notification, as the bank apparently renewed my contract without informing me. When I called to requ...
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