What options do I have if my bank refuses to provide me with information about my account transactions?
January 19, 2023 | 50,00 EUR | answered by Carsten Ahlert
Dear lawyer specializing in banking law,
My name is Luisa Ullmann and I have a question regarding my bank and my account transactions. Lately, I have been trying to get an accurate overview of my financial transactions, but my bank refuses to provide me with information. This is causing me great concern, as I would like to have an overview of my account movements to better understand my financial situation and plan effectively.
The current situation is as follows: I have tried multiple times to get a detailed overview of my account transactions through my bank's online banking, but I always receive only vague and incomplete information. Even during a personal visit to the branch, I was informed that my request cannot be processed. This has left me feeling uncertain and frustrated, as I have the right to access my own account movements.
My concerns are that without accurate information about my financial transactions, I have difficulties planning my budget and identifying possible irregularities. I feel abandoned as a customer and do not know how to proceed.
Therefore, my question to you is: What options do I have if my bank refuses to provide me with information about my account movements? Are there any legal steps I can take to uphold my rights as a customer and obtain the necessary information? I would be very grateful if you could assist me in this matter.
Thank you in advance.
Sincerely,
Luisa Ullmann
Dear Mrs. Ullmann,
I understand your concerns and frustration regarding the lack of information about your account transactions from your bank. It is important that as a customer, you have the right to access your own financial transactions in order to better understand your financial situation and effectively plan for the future. In this case, there are indeed legal steps you can take to uphold your rights as a customer and obtain the necessary information from your bank.
First, you should make a written request to your bank for information about your account transactions. This can be done in the form of a registered letter or an email, clearly stating what information you need and why. It is important to set a deadline by which the bank should provide you with the requested information.
If the bank continues to refuse the information even after your written request, you can contact the consumer protection agency or a banking lawyer like myself. A lawyer can take legal action on your behalf, such as filing a lawsuit against the bank for violating your right to information. In such a case, a court could compel the bank to disclose the requested information to you.
It is important that as a customer, you are aware of your rights and stand up for them. The bank is obligated to provide you with adequate information about your account transactions. If the bank continues to ignore your request, you have the right to take legal action to enforce your rights.
I hope my response has been helpful to you and I am available to assist you in this matter.
Sincerely,
Carsten Ahlert
