There are a few people I would like to ask this question last week, but I didn’t ! Incidentally, they all work for the bank! Which make me wonder what kind people they hired to work in the bank nowadays?
The first incident, I walked into the bank, requested a “reduce of mortgage interest rate”, two customer officers told me there is no such thing. When I insisted there is, they asked me to write a letter.(And you thought that’s a special talent of government bureaucrats to stop people from bothering them!) I live 45 minutes away from the bank, I was not going to drive home, type out a letter and drive back there, so I requested a piece of paper and drafted a letter on the spot and asked them to fax the request to the HQ. I got a call from the HQ the next day, offered me a 2% reduction in interest rate!!
The second incident is an old issue that had not been solved for four years. I have a margin trading account with this bank and have an online account for stocks trading. Four years ago, I forgot the username and password, my account was suspended after three unsuccessful attempts. I was told to go to the branch to restore the account and the fellow at the branch asked me to call the customer careline. The customer careline people asked me to see the fellow at the branch to get the access code, after being kicked around like a ball for a few times, I just gave up. Recently, as I am trying to take care of the banking and financial matters before leaving for IL, and I wanted to sell the remaining stocks, I went back to the branch to enquire about how to restore the password (Amazingly, the same guy I talked to four years ago still works there and deals with this kind of problem) But, looks like he has not been equipped with the right product knowledge in this four years! Guy A at the branch asked me to call the customer careline, guy B at the customer caerline asked me to see A, so I told A and B, why don’t you figure out what to do and call me! That was a week ago, I am still waiting for their calls!
The third incident happened at the same bank of the first incident, I handed in a few security documents for verification and certification to a woman officer, was told it would take 2 weeks to get back to me. As I didn’t want to go down again to pick up the documents, I requested for the documents to courier to me. After two weeks, no news, but I was too busy accompanying my mom on a hospital tour and didn’t drop or call to check on the status of the documents. Four weeks later, I called the branch and enquired about the status of the documents, the woman who picked up the phone told me she couldn’t tell me anything wouldn’t check anything for me on the phone, I have to go to the branch personally. I got really annoyed with her, I asked for her name but she refused to give me. I then called the customer careline, made a complaint about it and asked to trace the whereabouts of the documents. The man on the customer careline was helpful, he was surprised that I was even told it would take two weeks to verify the documents, he said the branch could usually do the verification on the spot! Anyway, he verified with his superior, called the branch and managed to get them to trace the documents. He then called me back a few hours later, told me I could go to the branch to pick up the documents the next day, they would be verified. I was not free the next day, so I went in the following business day. Guess what ? I drove 45 minutes down there, was told they need to send the documents to HQ for verification and the woman who was in charged of this matter was on leave and I have to come back the next day. My face must have changed color, I tell you. I sat there, insisted that I would not leave without the documents. The woman who served me didn’t know what to do, she went inside and came back with another woman who looked like she is the supervisor or manager. (What’s wrong with this people who never identify themselves? Isn’t that a common courtesy to let your customers know who they are dealing with? ) She apologized for the “miscommunication” and offered to courier the documents to me the next day, so I don’t have to drive one and half hours to and fro just to pick up the documents.
The ridiculous thing is: after all the hassles and five weeks of waiting for the documents, was told they are no longer needed by another institution who required it, just because they never update their website!!!
Malaysia boleh!