La mia fidanzata si è trasferita dalla Germania in America e la più grande seccatura è stata la banca tedesca. Non lo chiudevano quando era di persona a causa del fatto che non aveva ancora un conto bancario americano e da allora sono stati un incubo da affrontare. Continuano a darci diverse informazioni su come chiuderlo, quindi quando otteniamo loro i requisiti cambiano il processo, sciacquano e si ripetono più e più volte. Ora sostengono che non possono affatto chiudere il conto bancario. Siamo frustrati e non vogliamo pagare le commissioni mensili per un conto bancario di cui non ha nemmeno bisogno. C’è qualcosa che possiamo fare?
https://i.redd.it/ih0urqhy548f1.png
di DisasterAdult
6 commenti
Struggled with the same problem, moved out of Germany 3 years ago, the account is still open. No one wanted to close it as much as I tried.
You need to give bank details as written in the email. Volksbank closed my account as soon as they can transfer the remaining balance. It is written in the email…
unless you have outstanding loan or an overdraft pending with the bank, you can close the bank account at your discretion with or without any reason and the bank technically cannot refuse. refusal can also happen if the account is actively being investigated for money laundering.
tell your wife to go to the bank *with* her other bank account, asking them to transfer the money and close your account. if they refuse, ask for a written statement and/or file a complaint with the bank’s ombudsman. last option is to contact a lawyer with the letter from the bank refusing to close the account.
Attach the original. Looks like a bad translation…
Any bank cannot close an account if it has a non-zero balance. This is true for both positive and negative balances.
Give them details of where they can transfer the money as they asked.
Besides, this is not specific to Germany.
It was a pain in the neck to close my German bank account. I had to send two registered letters, the first one they rejected because they said my signature “didn’t match.” Send a registered letter demanding that you close it under the account terms and conditions and threaten legal action if they don’t.