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Dieser Erfahrungsbericht zur ING wurde uns am 08.12.2018 vom Nutzer Thomas67 übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Ich habe seit 15 bis 20 Jahren ein "Extra-Konto" bei der ING-DiBa (damals noch Entrium). Vor 1 Jahr habe ich zusätzlich online ein Girokonto eröffnet. Verifiziert habe ich mich, glaube ich, per Postident. An weitere Einzelheiten erinnere ich mich nicht.
Das Onlinebanking nutze ich seither täglich und bisher war auch alles gut. An Informationen sehe ich das Übliche was für ein Girokonto eben geboten wird. Für Überweisungen nutze ich mTANs, also SMS auf mein Handy. Eine App nutze ich nicht, aber ich glaube, es wird eine zur Verfügung gestellt.
Im November 2018 schrieb die ING-DiBa eine Sonderaktion aus: "... wenn Sie bis zum 21.11.2018 Geld auf Ihr Extra-Konto einzahlen, bekommen Sie 1 % Extra-Zinsen p. a. auf jeden neu eingezahlten Euro." Das Ganze galt für 4 Monate, mit Beginn der Verzinsung ab dem 23.11.2018.
Ich habe also eine entsprechende Einzahlung vorgenommen. Seitdem habe ich von der ING-DiBa allerdings keine Information über den neuen Zinssatz erhalten. Schlimmer noch: Die Zinsen werden weiter mit dem falschen Zinssatz von 0,01 % berechnet.
In den vergangenen 14 Tagen habe ich nun insgesamt 5 Mal mit dem Kundendienst telefoniert - ohne Ergebnis. Dabei musste ich jedes Mal auch meine Telefon-PIN angeben. Die Antwort lautete jedes Mal in etwa so: „Ja das ist bekannt, wir haben einen Fehler gemacht.“ und „Nein wir können Ihnen nicht sagen, ob Sie den Sonder-Zins erhalten und auch nicht ab wann Sie eine entsprechende Mitteilung von uns erhalten."
Wartezeiten hatte ich bei meinen Kontakten keine und auch an der Freundlichkeit der Mitarbeiter gibt es nichts zu bemängeln. Allerdings nützt mir das nichts, wenn ich keine Auskunft bekomme. Aus meiner Sicht ist das Betrug und ich weiß nicht so richtig, was ich jetzt machen soll.