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Dieser Erfahrungsbericht zur Bank11 wurde uns am 20.12.2016 vom Nutzer victor100 übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Seit Oktober 2014 habe ich ein Tagesgeldkonto bei der Bank11. Damals hatte ich auch ein Sparbriefkonto TotalFlex-180 eröffnet und zum Mai 2016 aufgrund einer Zinssenkung fristgerecht gekündigt. Das Tagesgeldkonto ließ ich mit 0,00 € weiterlaufen. Der gesamte Eröffnungsprozess lief inklusive Postident-Verfahren ohne besondere Vorkommnisse.
Wann ich nach der Eröffnung aufs Onlinebanking zugreifen konnte, habe ich leider nicht mehr in Erinnerung. Am Onlinebanking konnte ich nichts beanstanden oder besonders loben.
Später nahm ich die Kündigung meines Tagesgeldkontos zum nächstmöglichen Termin vor. Im selben Kündigungsschreiben zog ich auch den weiteren Antrag auf ein TotalFlex-180 zurück und bat um die Kündigungsbestätigung.
Ich zog ihn zurück, weil sich die Bank weigerte, den in Aussicht gestellten Zinssatz vor der Eröffnung des Sparbriefkontos zu bestätigen. Stattdessen machte die Bank eine Bestätigung der Eröffnung davon abhängig, den in Rede stehenden Betrag vorher zu bezahlen. Meines Wissens würde dann nicht der zum Zeitpunkt der Antragstellung in Aussicht gesellte Zinssatz gelten, sondern der zum Eingang der Zahlung geltende (mir unbekannte) Zinssatz.
Außerdem würde ich das TotalFlex-Konto nur mit einer Frist von 180 Tagen kündigen können. Diese Vorgehensweise finde ich sittenwidrig und an Bauernfängerei grenzend.
Als Reaktion auf mein Schreiben hatte ich zwei Telefonate mit jeweils einem Mitarbeiter zu unterschiedlichen Zeitpunkten. Um mit dem Kundenservice verbunden zu werden, musste ich keine Wartezeit in Kauf nehmen.
Im ersten Gespräch mit einer Mitarbeiterin ging es um den besagten Antrag auf ein TotalFlex-Konto. Sie kannte offensichtlich nicht den Unterschied zwischen einem Antrag und einem Vertrag. Meinen Hinweis, dass ich keinen Vertrag unterzeichnet, sondern einen Antrag gestellt hatte, der erst durch die Annahme der Bank11 zum Vertrag würde, ließ sie nicht gelten. Vielmehr behauptete sie, dass ich vertraglich verpflichtet wäre, die in Rede stehende Summe zu überweisen. Erst dann würde ich eine Bestätigung des Antrages erhalten.
Im zweiten Gespräch beharrte der Mitarbeiter auf der Position der Bank, dass der zum Eingang der Zahlung aktuelle Zinssatz gelten würde, nicht der zur Antragstellung ausgelobte.
Darauf brach ich die Geschäftsbeziehung ab.