I Face ING Bank Refund Delay After Allianz Insurance Cancellation
On March 25, 2026, I canceled my auto insurance policy with Allianz (Policy No: 0001-0210-63365674), and a refund of approximately $280 was issued by Allianz to my ING Bonus Card credit card (last four digits: 9083). Allianz has also provided me with an official receipt confirming that the refund was successfully processed.
However, despite 39 days having passed since the transaction, and despite me sharing the refund receipt with ING Bank and reporting the issue multiple times, the refunded amount has still not been reflected on my credit card.
I have contacted ING Bank customer service many times, but each time I have only received a generic response stating that “your transaction is under review,” with no concrete action taken. As a result, I have been seriously inconvenienced by ING Bank’s failure to resolve this issue.
As of today, I have also filed a formal complaint with the Banking Regulation and Supervision Agency (BDDK), and depending on the outcome, I am considering initiating legal action and terminating all my accounts and credit card relationships with ING Bank.
I request that the refund amount be immediately reflected on my ING Bonus Card and that I be provided with a clear and detailed written explanation of the reason for this delay and the actions taken during this process.
The only thing ING Bank has done is this unsolvable situation: a payment that hasn't been made for 41 days, and a delay of 35 days with the excuse 'we are reviewing it'. Putting your customers, to put it mildly, in the position of fools is what you do. How can an issue not be examined and resolved in 35 days? In this era there can be no such banking approach or model, and there shouldn't be. I understand that no solution will come from ING Bank. I want you to know that I will pursue my rights through legal means and will terminate all my accounts and credit card relationships with your bank. Thanks to ING Bank for pioneering unsolvability.
As of today I have filed a complaint with the Consumer Arbitration Board and also submitted my complaint via CİMER. I will post updates here. If you are in the same situation, don’t waste your time expecting ING Bank to provide a solution. They are not a bank that offers solutions. Don’t waste your time waiting for a solution. I recommend you submit your complaints to the Consumer Arbitration Board.
In two and a half months, I was finally able to receive my refund as a result of my complaint to the Consumer Arbitration Board. On 25.03.2026, a refund of 8,959.12 TL made by Allianz Insurance to my ING Bonus Card (9083) was illegally blocked by ING Bank for a full two and a half months. Even though Allianz Insurance provided a refund receipt and the payment was proven, the bank persistently stalled me with the lie that they were “reviewing” my case. This is not a simple processing error; it is an attempt by ING Bank to unjustly keep a customer’s money in its own coffers. The bank did not return my money without me exercising my legal rights, i.e., without going to the Consumer Arbitration Board. We are facing a bank management that forces its own customers into official complaint procedures, does not move a muscle unless legally obliged, and mocks human reasoning in customer service with “robotic” answers. In this process, ING Bank’s attitude is more a “delay and victimisation” mechanism than corporate banking. What is the bank trying to achieve by forcibly holding its customer’s money? Is this scandalous behaviour due to incompetence in the bank’s operations or a desire to use the customer’s money? I tell anyone considering working with ING Bank or who is already a customer: you will not find anyone who provides a solution to any problem you encounter with this bank. They will stall you for months and will not give you your rights unless you resort to legal channels. ING Bank is an institution that does not inspire confidence in its customers and does not produce solutions without a complaint. For me, this institution’s reliability is zero. I will never forget the victimisation they caused, their unprofessional, unserious, and contemptuous attitude toward consumers. Working with ING Bank is simply buying trouble. My advice to those in a similar situation: do not waste time trying to resolve the issue through ING Bank. Apply directly to the Consumer Arbitration Board.
