I had to repay the loan on June 17, and I decided to repay the money ahead of schedule and put the money on the card and wanted to pay through the application, but it didn't work out and I withdrew 2 million dollars from the card and couldn't do the rest because the limit and if I hadn't paid in this number, I would have overdue the money but I'll pay well today and tomorrow I'll repay ahead of schedule,still , but a day later the oprators told me through the terminal it was possible to repay ahead of schedule and I went and took out all the money (2 million 40 thousand)tenge and the terminal ID 20023 machine turned off and did not give me a check and contacted the operator again they said my money would come in just need to be pressed and I waited until 20:00 but I did I did not receive the money, I went to the department and left a statement there, but still the money was received. The result is that you do not need to contact this bank and the operators are not competent and the employee does not know his business

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Никита

Level 3 Local Expert

I decided to somehow calculate my potential, how much the bank would approve in cash, I started filling out an application in the application, as a result, the application failed. After a while, a bank employee called me back, introduced himself as Pavel. I explained the situation to him, started calculating the application for me, gave him the necessary data, wait, the calculation is taking place. He calculated a cash loan for me, the amount of 385 thousand was approved for 3 years, the payment was 20 thousand. Well, I think okay, I ask you to leave this offer in the mobile application, to which he offered me to send a link where you can view the application in the application. I have full confidence, after all, the representative of the bank, all SMS confirmed this, followed the link where I was asked to enter SMS codes, I enter the codes without reading what I am responsible for. As a result, Pavel issued me a loan in the amount of 485 thousand, where 101 thousand went to life insurance, which, by the way, I was not even informed about, and also a percentage of 44.9% per annum. I started going over everything in my head and realized what a horror I had stumbled upon. In the first hour, I started calling this bank with a request to cancel this contract, to which they began to transfer me to their partner "Buy not save", that Sharashkin's office... In general, no one was going to cancel the contract for me, went to the police, fixed the fact of fraud, but they did not start the case yet. I think we can cope without this ... And yes, as it turned out, it is possible to cancel the contract, but first I need to return the money to their account, but only after I get the money back for INSURANCE (101 thousand) Oh, yes, in order to refuse insurance, you need to write an application and send it by Russian post to their address, as well as insurance from SOVCOMBANK INSURANCE. In the first hour of calls, they explained to me that I needed to return all the money to the account of the contract, well, I agreed with that. He clarified how I could do this, since it was impossible to transfer money through the HOME bank application in any way, they told me to go to the buy not save website and transfer amounts of 15 thousand. so that there is no commission. I started transferring money, and the transfer fee began to be deducted... I gave 2 thousand rubles for a commission. since the notifications about this did not come immediately. I contacted the bank again, found out that there is an ATM in Sovcombank through which you can deposit money without interest, but to withdraw them from the account, I need to send them to another bank (Tinkoff), since they do not have a limit on withdrawals and put them through an ATM to the contract number (The crediting period is 3 days) By the way, the insurance refund period came out to me in 21 days. The money for the insurance was returned, I sent it to the contract, 486,000 were credited. I call the bank, I say cancel the contract, and they tell me: Here you have 18,500 percent credited for the period of using the money, I am sitting at a loss, before that I talked to more than 20+ employees and no one told me anything about them ... There is no way to remove the interest, you must definitely pay... Today, on 06/19/2024, I sent 18,500 (interest) to the contract, just to close this loan. The trust in this bank has been completely lost! At the moment there are other products in the bank, I'm thinking of refinancing in Sberbank and getting away from this bank! I will apply the same procedure to all relatives, I want people not to fall for their tricks and not get into the same situation as me! Scammers, that's all.

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Олег Павлиш

Level 4 Local Expert

I used the services of this bank for the first time more than 5 years ago. There was an installment plan for a year, which I closed ahead of schedule. Then there was another loan, which was also closed ahead of schedule. I was very pleased with the work of the bank. But then... on July 5, 2023, I took out a loan at 17 or 18%. The first 3 months are OK. But then, due to the fact that I did not transfer money from a debit card to a credit account (there was a technical glitch), I was 1 day overdue. And the rate rose to 28%... well, okay... it was probably written in small print in the contract. That's why I'm partly to blame, I thought. And in January 2024, they offer me to refinance the loan at 7.9%! Well, why not, I thought! The operator tells me the amount that the bank will give me for refinancing. I agree. We make an application online with the operator in the mobile application. And when I get to the final loan amount, I see that the amount is about 30,000 rubles higher! I ask, why is that?! The operator says that this amount takes into account the interest that will need to be paid! But if I repay ahead of time, the amount will decrease. This answer satisfied me! We are making out. I get the money. Everything is OK. But then, when information about the loan appears in the mobile application, I see that the loan amount is really 30,000 rubles higher and this is WITHOUT interest! I'm calling the call center. And they tell me that: yes, 30,000 rubles is the price of the service for a reduced percentage! And for the opportunity to postpone the payment date and something else ... and if you did not connect this service, the rate would be 28%! that is, the same as I had!!! Attention question - why cheat customers!? I was very disappointed in the bank!

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