VakıfBank Credit Card Annual Fee Refund Problem
On June 28, 2024, an unauthorized transaction was made on my VakıfBank Kamu-Sen credit card, and it is still showing as pending. I reported the suspicious activity to VakıfBank customer service and provided screenshots. They told me to dispute the charge at a bank branch. They claimed the transaction was made from abroad, even though I am in Turkey, and insisted they couldn't cancel the pending transaction.
I noticed charges on June 22, 23, 24, 25, 26, 27, and 28, 2024, but I did not receive any security code SMS for these transactions. The last notification I received was on June 28, informing me that my limit was exceeded due to the transactions and offering to increase it. Essentially, my card limit was reached, and all funds were spent without any alerts or messages until the limit was exhausted.
The attached image shows only one transaction in ₺. The customer service mentioned that the amount in dollars will be confirmed once it clears. The total spending within this period is 168,000 ₺, none of which is mine.
Since the transaction is still pending, I request that restrictions be placed on the card and a thorough investigation be conducted. I also request that the unauthorized charges be refunded to my account.
Progress
Despite it being 38 days since my complaint regarding the expenditure I made on 01.07.2024, I have not received any information other than "your application has been processed." An expenditure of 200,000 TL was made from my card, and I definitely did not receive any approval message while these expenditures were being made. I want my spending dispute to be resolved as soon as possible and the expenditures to be refunded to me. Also, the bank is telling me that I am obliged to pay the minimum amount until it is resolved. The minimum amount is 80,000 TL. I do not have the means to pay this much money every month, especially when the expenditures are not mine. The reason for my being defrauded is entirely the bank's fault. They know how to send a message saying "your limit is insufficient" when my card limit is reached, but they do not send any message otherwise. I will file complaints with the necessary judicial authorities, VakıfBank branch, the Banks Association Arbitration Committee, the Consumer Court, and any other necessary places if there are any. They send a ready-made automatic response to every complaint made.
Dear Customer, Your application has been forwarded to our Bank's review teams. You can also submit your complaints, suggestions, and requests regarding our Bank's products and services through the Write to Us section in Internet Banking and Mobile Banking, the Contact Us section, and our Branches. Sincerely, VakıfBank Customer Satisfaction
