I have been an active CepteTeb customer since 2018 and currently use their credit card, loan, and overdraft products. Until now, I have always made my payments on time, but for the past year, I have only been able to pay the minimum amounts. I currently owe around ₺830,000 in total and can no longer afford to pay this debt. I contacted CepteTeb customer service and also submitted a written request for debt restructuring, but no assistance was provided. Since there are no branches, I am forced to communicate through customer service, yet they keep redirecting me without offering a clear solution. They told me to stop making payments for 30 days and fall into default in order to qualify for restructuring, but I do not want to miss payments—I only want my request to be considered. My accounts are still active, with no restrictions or blocks, but customer representatives lack sufficient knowledge, and I have not received any response to my written request. I am requesting that a qualified specialist contact me urgently to resolve this issue. Otherwise, I will file a complaint with the Banking Regulation and Supervision Agency. The last four digits of my account number are 1333.
I have been using Enpara for 6 years. I restructured my credit card debt because I was unable to pay it, and the restructured payment was calculated as ₺45,000. However, despite the restructuring, the minimum payment for the original ₺90,000 debt came out to be ₺38,000, which makes no sense—how can ...
I am a salary customer at VakıfBank and had taken out a restructuring loan. This month, the first installment of that loan—approximately ₺38,000—was scheduled to begin for my credit card and overdraft account. I also had installments from a previously used overdraft account. Even though I can no lon...
Since March 17, 2025, my ininal card has been deactivated without any explanation. There is a balance of ₺15,830 on the card, and I have no way of accessing this money. Despite calling customer service multiple times, I have not received a clear answer, and my issue remains unresolved. This amount i...
The debt on my Bonus card from CepteTEB is overdue, and I have no way to make a payment. When I contacted the bank for restructuring, they told me that my risk level is still low and that they are waiting for payment. Since I am unable to pay, interest continues to accumulate unnecessarily. I want t...
I am a salary customer of VakıfBank Ankara Emniyet Sarayı Branch. I have a total debt of approximately ₺900,000, consisting of a credit card registered in my name (around ₺70,000), an overdraft account (₺400,000), and various personal loans (around ₺400,000). My monthly loan installments are around ...
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