Closed accounts and blocked money: An online bank which has already attracted 2.5 million users in four years in France has been the subject of strong criticism from some users. What is it exactly ?
Bad chatter N26 Online Banking has 2.5 million customers in France And 7 million in Europe, in quick succession RMC’s show aired on November 20. Originally from Germany, particularly dissatisfied, the radio gave a voice to the customers of this Neobank. They allege that the establishment has been in France for four years They closed their account without warning them, especially with their money.
The radio cites the case of Valérie, who opened an account two years ago. The relationship with the bank continued normally until his account was frozen last March. “Following the blocking of this account, I was informed that it would be closed. Once the account is closed, you will no longer have any contact with them, ”explains the RMC auditor. “The excuse of pretending to control money laundering accounts is ultimately used as an excuse to steal money from some of their clients. கணக்கில் 300 has been credited to his account.
Another example is the loss of Guilloin: his business account was credited with 9,000 and later closed without being able to get his money back. “It’s the most popular bank in the metro with posters. They stole € 9,000 from me, My money was confiscated. In the emails we told them they were ruining people’s lives but they didn’t care and we only got automatic replies. You are ruining people’s lives by doing this, ”laments the grieving client.
Accounts were blocked after routine checks
According to N26, during “street checks” some accounts can be blocked from carrying out the necessary investigations, which can sometimes lead to account closings. Not in accordance with the banking conditions or the general conditions of sale. “There are different cases, which explains the communications of N26 Free afternoon. You must prove that you are a French resident and have resided in France for at least six months, subject to the General Conditions of Sale N26 in France. If there are expenses abroad for a long time, the account may be blocked and then closed. Another possibility: an account ends up in a fraudulent transaction system after a phishing or scanning process. Our growth is strong in France and fraudsters benefit from it.
“The account was held for the duration of the trial», Explains N26 in communication from France. The information is transmitted to the controller, who informs of the closure of the customer account. He has to send us a new iPhone to get his money back. Sometimes people forget to give it to us. “Above all, it must correspond to the previous level of accounting in N26: personal or professional.
Become the leading bank in Europe
N26 Bank claims to have exchanged about four exemplary cases at RMC and provided a response to each of them. “We will openly return the money to the population, if this has not already been done,” insists the communications officer. Our job is to protect customers’ money. He denies the number 530 complaints were registered on the internet. “There is no evidence to support this figure when analyzing customer service complaints. The RMC, for its part, confirms that reports have been sent to crack down on fraud.
This article is a shame for N26, which recently hosted its fifth fundraiser. Its ambition is to become the leading bank in Europe. Following Great Britain’s exit from Brexit, the N26 is soon looking to refocus on the Seba region (single euro payment area) with 24 markets – the “most complex market”. N26, Germany’s second most valuable bank, wants to tackle Eastern European countries.