What are the main complaints the people of Alicante have with banks?

Thus, according to data provided by the financial supervisor itself, provincial residents recorded last year 1,205 requests For disputes with your bank, 50% more Compared to the previous year when they added 803 applications. While the increase may seem striking, the reality is that it is slightly below the 61% increase in complaints recorded at the national level.

And 2021 with a total of 34,330 requests second year of the entire historical series After 2017, when users filed more lawsuits against the Bank of Spain, there was a big boom caused by the European decision to make base substances illegal.

As for the rationale for these claims, mortgage they remain the most controversial or at least the financial product that most users decide to move on. In total, they hold 33.03% of all complaints submitted to the inspector in the province, most of which are related to the province. formalization costs The loan is past due following various judicial decisions requiring the undertaking of concepts such as registration or management. In the same section, there are also a large number of customers who refuse to make an excessive number of contracts. linked products or little transparency of that obligation.

Second, the financial product that causes the most complaints, credit cards, with 22.41% of the total. A high percentage that has to do with both the so-called phenomenon revolving cards and the over 20% interest many charge – although demand is often due to non-delivery of contract documents – increase in fraud in the use of this payment instrument, in particular electronic trade and online shopping. In this sense, the Central Bank of Spain Claims Service report underlines that complaints are the product with the highest increase of over 80% at the national level, and therefore the awareness campaigns carried out by the Supervisory Authority on this issue. Via the Banking Customer Portal.

In third place, after mortgages and cards, existing accounts and time deposits are the ones that cause the most damage with 22.32% of the total, and in this case, receivables are collected. commissions this motivates consumers to decide to go to this institution in search of protection.

Far from the previous ones, there are related complaints. personal loans (6.64% of the requests from the province), it is seen that the main problem is generally related to the process and cancellation payments. The fifth reason for complaint, legacies and more specifically, the process required by the heirs to access the accounts of their deceased relatives accounts for 4.4% of the total receivables recorded in the province. For example, a figure that exceeds complaints about transfers or cash withdrawals or check collections.

few people are allowed

In any case, it should be noted that there are only approximately a small minority of the total complaints made by consumers. a third ending is accepted to the procedure. Partly because many citizens do not know that before going to the Bank of Spain it is imperative to make a request to the customer service of the relevant institution, but many applications are also submitted with incomplete information or on issues the Bank is working on. Spain Spain has no jurisdiction.

Of course, once the downtime has passed, users have many possibilities to achieve their goals, because 67.4% of cases are usually resolved in favor of the client, either because the entity gave up and reached an agreement (37.2% of cases) or because the supervisor agreed (30.2%). Of course, this last situation is not a guarantee that the situation will be corrected, because 27% of cases where the customer is right are ignored by the business. To the decision of the Bank of Spain, as the decisions of the Complaints Service are not binding.

To avoid such a situation, the Government Independent Authority for the Defense of Banking Clientsshall have the power to compel them to comply with its decisions.