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Dieser Erfahrungsbericht zur NIBC wurde uns am 05.11.2015 vom Nutzer tropheus3 übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Ich bin ein langjähriger Kunde der NIBC Direct. Als ich meine Telefonnummer wechselte, musste ich auch die hinterlegte Nummer für das mTAN-Verfahren ändern. Dabei habe ich einmal falsch geklickt und danach war gar kein TAN-Verfahren mehr hinterlegt.
Ich rief daraufhin die Hotline an und fragte nach, ob ich auch telefonisch Geld auf das Referenzkonto übertragen könne. Dies wäre nur per Fax und gegen eine Gebühr von 7 € möglich, teilte man mir mit. Mir wurde versprochen, dass man sich Gedanken machen und mich zurückrufen wolle, was jedoch nicht geschah.
Daraufhin faxte ich meine Kündigung. Einen Tag später erhielt ich eine E-Mail mit dem Hinweis, dass der zweite Kontoinhaber ebenfalls unterschreiben müsse. Ok, dies war mein Fehler. Auf der nächsten Kündigung unterschrieben meine Frau und ich und anschließend rief ich an und fragte, ob sonst noch etwas fehlen würde. Dies wurde verneint und zusätzlich wurde mir gesagt, dass mich jemand anrufen würde, falls es ein Problem geben würde.
Es erfolgte kein Anruf, jedoch erhielt ich am nächsten Tag wieder eine E-Mail. Dieses Mal mit der Nachricht, dass meine Unterschrift nicht mit der von damals (7 Jahre) übereinstimmen würde und die Kündigung daher nicht bearbeitet werden könne. Als ich anrief und fragte, was ich denn nun alternativ machen könnte, wurde mir wieder ein Rückruf versprochen. Was passierte? Wieder einmal nichts.
Also faxte ich erneut eine Kündigung und unterschrieb diesmal so wie auf dem damaligen Antrag. Auch das war nicht gut genug. Man bat mich, die Kündigung mittels Postident-Verfahren einzureichen. Ich fragte nach, ob denn auch meine Frau bei dem Postident unterschreiben müsse. Man versprach, wie üblich, dass man mich zurückrufen würde, um mir diese Frage zu beantworten.
Leider habe ich es aufgrund der Öffnungszeiten der Post immer noch nicht geschafft, das Postident zu erledigen und daher besteht das Konto immer noch. Derzeit warte ich auf die Beantwortung meiner Frage, ob denn Kontoführungsgebühren entstehen würden, wenn das Konto auf Null steht und keine Zahlungseingänge stattfinden und hoffe, dass ich seitens der Bank gekündigt werde.
Der Service ist meinen Erfahrungen nach also mangelhaft. Die Wartezeiten am Telefon betragen meistens so um die 5 Minuten. Manche Mitarbeiter können Infos einsehen, andere nicht (z. B. Abgleich der Unterschriften). Daher musste ich manchmal mehrfach anrufen, um jemanden zu erreichen, dem dies möglich war.
Schlecht war auch die Überweisunsgdauer auf mein Referenzkonto, denn meistens dauerte die Gutschrift zwei Tage.