CIMB has one interesting way to determine account holder's status. Should there be no over-the-counter transactions over a period of 12 months, the particular account will be automatically deactivated.
While withdrawal via ATM or deposit via self service machine is still acceptable; online fund transfer will be affected as account that has been flagged as 'Inactive' can no longer be found from the 'Transfer from' listing.
A general step-by-step response guiding how-to-transfer-funds was received from CIMB but it was totally irrelevant to the enquiry being sent. The question was why in the world funds can't be transferred between my own accounts; NOT how do I transfer funds between my own accounts.
Since the answer provided was not responding to the question, I had to contact the call centre clarifying the situation and only then found out about the account status' determining rules. Why can't this simple message be included on the internet banking website?
Since that's the de facto rules CIMB has applied, I have no options but to present myself at the physical branch's counter to make a withdrawal (min. RM10) in order to reactivate my savings account. It took one day for the account status to be updated as 'Active' (as seen via the online banking website).
On the website's Transfer Funds section, it shows a clear and simple enough to understand message:
"You can transfer any available amount to your own CIMB Accounts... Our loan / financing system is available from 7.00am to 8pm daily. Payment to loan / financing account is only accepted during these hours."
Ironically, despite having my account's status now as 'Active' and being able to select it from the 'Transfer from' list, I was still unable to transfer funds from my savings account to my loan account after 5 failed attempts for the past 3 days.
In fact, past transactions status are being shown on the welcome screen once you logged on - there's option to send an enquiry in relation to the specific transaction but response has been super slow, to the point of no response for the past 3 days.
Besides CIMB Clicks (the internet banking channel of CIMB), I have attempted to do the same through ATM and cash deposit machines but they have been consistently prompted the same errors: General Transaction Error, System Not Ready etc despite all transactions were done during 7am-8pm.
Since the payment has past due, the loan system has been efficient enough to inform that interests has now incurred. Congratulations to CIMB for having such an incompetency system and your negligences in responding to your customers on timely manner.
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