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10 Мая 2018

Об услуге банка

  Елена 

Добрый день. Подскажите пожалуйста, что я могу еще предпринять по такому вопросу. В Бинбанке г.Ростова-на-Дону при открытии карты для перечисления пенсии, мне еще выдали доп.банковскую карту и подключили мобильный банк к ней, якобы все услуги по ней бесплатны и она Вам пригодится, если Вы будете когда-то оформлять кредит. Через полгода я ее решила закрыть за ненадобностью, и вот в этот момент с меня потребовали заплатить 300 руб. за обслуживание этой карты и за мобильный банк. Пришлось заплатить и закрыть карту, т.к. если бы я этого не сделала, то они бы далее начисляли бы мне эти долги. На мою претензию к банку мне ответили, что все взяли с меня правомерно с-но тарифам банка. Но я не согласна с тем, что меня не предупредили ни о каких платных услугах банка и взяли с меня деньги. Буду ждать Вашего ответа. Спасибо.

Ответ:

Здравствуйте, Елена!
 
     Конкретные условия предоставления денежных средств для расчетов по операциям, совершаемым с использованием платежных карт, порядок возврата предоставленных денежных средств, порядок документального подтверждения предоставления и возврата денежных средств могут определяться в договоре с клиентом. Банк обязан проинформировать вас полностью об услуге согласно ст.10,12 ЗРФ «О защите прав потребителей». Необходимо смотреть условия Вашего договора. Все условия обслуживания карты должны быть четко прописаны в договоре. Если Вы не заключали никакого договора, то подтверждением того, что Вы согласны на условия использования, будет ее активация. А что банк там включил, это тяжело понять, не видя самого договора, а также проводились ли с картой какие-либо финансовые операции.
       По данному вопросу Вы вправе обратиться в Управление Федеральной службы по надзору в сфере защиты прав потребителей и благополучия человека (Роспотребнадзор) по Ростовской области с письменным заявлением и приложением документов по следующим реквизитам: 344019, г.Ростов-на-Дону, ул. 18 линия, 17, master@61.rospotrebnadzor.ru  
 
С уважением, ДПР РО.

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