An annual fee of ₺1,800 was charged to my Garanti AMEX Green Card credit card (ending in 020) without my knowledge or consent and reflected on my statement. I request a refund of this amount. I'm also demanding the cancellation of these fees without any additional conditions, based on the following legal provisions:
Consumer Law Article 31, Paragraph 3, dated May 28, 2014, states that card-issuing institutions must offer consumers a type of credit card without annual membership fees or similar charges.
According to Article 6 of the Consumer Protection Law No. 4077, amended by Law No. 4822, regarding Unfair Terms in Contracts, the membership fee your bank charges is unfair as it's not in exchange for any service and is part of a pre-prepared standard contract that can't be negotiated.
The 13th Civil Chamber's final decision (Case No. 2011/4736, Decision No. 2011/11579) ruled that annual card fees should be refunded, including those deducted retroactively, in accordance with Article 125 of the Code of Obligations and the General Assembly of Civil Chambers' decision No. 2010/1-93-88.
Based on these laws and regulations, I request the refund of the charged membership fee, its cancellation within the day, and its return to me. Otherwise, I'll apply to the Consumer Arbitration Committee for a refund of the card fee, and if my dissatisfaction persists, I'll apply to your bank to cancel my card. I respectfully request that necessary action be taken on this matter.
On April 20, 2024, the annual membership fee of ₺3,600 was withdrawn from my Garanti Bank American Express Gold card, numbered 3576*******6017. I seek the cancellation of membership costs in accordance with the legal rules listed below, with no further restrictions. According to Article 31, paragrap...
On October 25, 2024, an annual card fee of ₺583 was charged to my Garanti Bank Bonus credit card ending in 2028 without my knowledge or approval. I request the refund of the ₺583 charge and the cancellation of the membership fee based on the following legal provisions without any additional conditio...
I request that the membership fee of ₺583.00, which was charged to my Garanti Bank credit card ending in 7052 on 11.06.2024, be canceled and refunded to me immediately, in accordance with the provisions of the law stated below and without any extra conditions.According to the 3rd paragraph of Articl...
On April 12, 2024, an annual card fee of ₺678.50 was charged to my Garanti Bonus Money credit card, ending in 3036. I demand the cancellation of the annual card fee in accordance with the provisions of the law and without any additional conditions. According to Article 31, Paragraph 3 of the Consume...
I'm writing to contest the ₺583 annual card fee charged to my Garanti Bonus credit card (ending in 5026) on July 19, 2024. I've been using this card regularly and making payments on time. I'm requesting the cancellation and refund of this fee based on the following legal provisions, without any addi...
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