Garanti BBVA Charged an Annual Fee to My Credit Card and I Request a Refund
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 01.02.2025, and I canceled my card through mobile banking on 01.02.2025.) According to the "Consumer Protection Law, Article 31, Paragraph 3, dated May 28, 2014," card issuers are required to offer consumers a type of credit card that does not involve fees under names like annual membership fees. Additionally, under Article 6 of the "Law on Consumer Protection (Law No. 4077), as amended by Law No. 4822," the membership fee charged by your bank constitutes an unfair term as it is pre-drafted and included in standard contracts without negotiation. Furthermore, the 13th Civil Law Department's decision (case number 2011/4736, ruling 2011/11579) and the General Assembly of the Supreme Court (HGK) decision (case 2010/1-93-88) confirm that retroactive refunds for card membership fees are legally enforceable. Therefore, I request the refund of the ₺776 annual membership fee charged to my account. If the membership fee is not canceled and refunded, I will pursue all available legal remedies, including filing a complaint with the Consumer Rights Board.
