I Was Threatened With Legal Action Before the Official Follow Up Period by Garanti BBVA

I am a customer of Garanti BBVA. Regarding a delayed product (such as a loan or credit card), I was contacted by a bank customer representative on the 71st day. During the call, the representative claimed to be from the legal follow-up department. In response, I stated that I was aware the legal follow-up process officially begins on the 90th day of delinquency. Representative T** took this personally and responded with an unprofessional and unhelpful remark like, “If you have a better suggestion, let us know so we can forward it to the bank.” On a separate occasion, on April 17, 2025 (77th day), another representative named Ö*** called from the number 0212 939 33 08 at 15:40, also claiming to be from the legal department, asking about my payment status. When I responded, “That’s none of your business,” the conversation ended with him implying, “You’ll pay with legal and attorney fees.” The behavior of these two representatives at different times is unacceptable and goes against professional ethics and customer service standards. Applying pressure and creating psychological stress before the legal process even begins can be considered harassment. Unfortunately, the lack of proper oversight of such institutions leaves us customers exposed to these kinds of practices. Unjust and Premature Legal Threats: There were threats of legal proceedings even though the legal conditions had not yet been met, which clearly violates consumer protection regulations. Relevant Regulation: Article 15 of the Regulation on Consumer Loan Agreements. Vague and Intimidating Language: Phrases like “legal action has been initiated” create psychological pressure on consumers before any official steps are taken. Legal enforcement can only be initiated by authorized enforcement offices through proper procedures. Using such language prematurely is misleading and violates the consumer’s right to accurate and complete information, as protected by Article 4 of Law No. 6502 on the Protection of Consumers. Assuming the call was recorded, I respectfully request that the audio recording be reviewed, the representatives be given the necessary warnings and training, a written response be provided to me by the bank, and that I am given clear and transparent information regarding the process.