Yapi Kredi Bank Membership Fee Is Against the Rules and Regulations
Without my knowledge or consent, an amount of 404.50 TL was withdrawn from my account on July 5th, 2023 in the name of a membership fee. This charge has appeared on my statement, and I would like to request an immediate refund of the stated amount. I respectfully request that the fees associated with this unauthorized charge be canceled in accordance with the provisions outlined by applicable laws, with no additional conditions. Card issuers are required by Article 31, paragraph 3 of the Consumer Law to provide consumers with credit card options that do not include annual membership fees or other similar charges. Furthermore, the membership fee imposed by your bank is considered an unfair term under Article 6 of Law No. 4077 on Consumer Protection, as amended by Law No. 4822, which deals with unfair terms in contracts. This is because it does not correspond to any specific service, and its inclusion in the standard contract eliminates any opportunity for negotiation or influence over its content. In support of my claim, I cite the 13th Civil Chamber's most recent decision, numbered 2011/4736 Esas 2011/11579, which establishes the prohibition of annual card fees under Article 125 of the Banking Law (bk). Furthermore, the numbered decision HGK 2010/1-93-88 provides a definitive ruling that retroactive card fees should be refunded. Based on these legal provisions, I respectfully request that the necessary steps be taken to refund the membership fees, cancel the membership fee charge, and credit my account as soon as possible. If my request is not promptly addressed, I will proceed to file a complaint with the Consumer Arbitration Committee seeking a refund of the card fee. Furthermore, if my dissatisfaction with your bank continues, I reserve the right to cancel my card and close my accounts with you. I sincerely hope that does not happen, and I am confident that you will take the necessary steps to resolve this matter in a fair and timely manner. I appreciate your attention to this urgent matter and request that you begin the refund process for the unauthorized membership fee as soon as possible. I would appreciate regular updates on the status of my refund and the cancellation of the membership fee. Thank you for your patience and cooperation.
