國泰世華擅自調閱聯徵(已申訴金管會) - 信用卡
By Edward Lewis
at 2016-03-11T21:54
at 2016-03-11T21:54
Table of Contents
※ 引述《jcjohny888 (等一個人)》之銘言:
: 本魯在3/9去國泰分行辦理非約定帳戶問題
: 經過美女行員強力推銷信用卡
: 就寫了申請書
: 但是出了門口後想了約30分鐘
: 決定還是不需要
: 打電話給分行,分行說申請件已送出,無法追回
: 本人不死心打給信用卡客服
: 客服說尚未收到案件,但會幫我轉告處理人員說取消申請
: 並於取消時打電話通知
: 隔天我自查聯徵尚未有任何新業務資料
: 到今天也沒有接到任何人員的電話
: 結果剛剛查聯徵出現了一筆新業務
: 銀行調閱聯徵不是要有申請人同意才能調嗎?
: 已寫信至金管會申訴
: 請問大家除了這些步驟還可以做哪些動作
: 讓這些不良從業人員(或說是不良內控公司)得到應得的懲處
: [img]http://i.imgur.com/OIbY9b6.jpg[/img]
你在申請書上簽名就代表同意銀行調閱聯徵跟其他約定條款所約定的內容
再來在處理人員建檔前 客服人員的系統確實會看不到你的進件資料
所以要等到處理人員建檔後 客服人員才能從系統看到進而連絡處理人員取消
而這就有可能有類似這種情形:
處理人員收件後就直接開始徵信流程 再於系統建檔
所以當客服人員看到建檔資料要連絡處理人員時 聯徵就已經被查詢了
個人覺得這也不算什麼缺失
而且也沒什麼大不了的 沒必要大費周章去申訴就是了
--
: 本魯在3/9去國泰分行辦理非約定帳戶問題
: 經過美女行員強力推銷信用卡
: 就寫了申請書
: 但是出了門口後想了約30分鐘
: 決定還是不需要
: 打電話給分行,分行說申請件已送出,無法追回
: 本人不死心打給信用卡客服
: 客服說尚未收到案件,但會幫我轉告處理人員說取消申請
: 並於取消時打電話通知
: 隔天我自查聯徵尚未有任何新業務資料
: 到今天也沒有接到任何人員的電話
: 結果剛剛查聯徵出現了一筆新業務
: 銀行調閱聯徵不是要有申請人同意才能調嗎?
: 已寫信至金管會申訴
: 請問大家除了這些步驟還可以做哪些動作
: 讓這些不良從業人員(或說是不良內控公司)得到應得的懲處
: [img]http://i.imgur.com/OIbY9b6.jpg[/img]
你在申請書上簽名就代表同意銀行調閱聯徵跟其他約定條款所約定的內容
再來在處理人員建檔前 客服人員的系統確實會看不到你的進件資料
所以要等到處理人員建檔後 客服人員才能從系統看到進而連絡處理人員取消
而這就有可能有類似這種情形:
處理人員收件後就直接開始徵信流程 再於系統建檔
所以當客服人員看到建檔資料要連絡處理人員時 聯徵就已經被查詢了
個人覺得這也不算什麼缺失
而且也沒什麼大不了的 沒必要大費周章去申訴就是了
--
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信用卡
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