At the top of the list years later mortgages They are no longer the main reason why Alicante residents complain to the municipality. Bank of Spain. In fact, they’re not even in second place anymore. credit cards And existing accounts -due to the commissions received by the institutions themselves- two most problematic financial products For users in the province following the release of the 2022 Damage Report, according to data provided by the financial auditor.
Contrary to what happened at the national level, where the number of files decreased by 0.5%, last year the people of Alicante increased their complaints to this organization by a total of 4%. 1,255 requests. In this way, Alicante Fifth region using Bank of Spain the mostJust behind Madrid with 8,151 complaints; Barcelona with 3,402; Valencia with 2,014 people; and Seville, which counted 1,698.
An evolution marked by increasing conflict between the two products at the top of the classification. In this way, credit cards almost represented one third of all requests A total of 423 were received by inspectors in the province, more than double the previous year. Part of this increase was supposedly due to complaints about the conditions of the hospitals. ‘spinning cards’ and high interest rates, which have been the subject of complaints for years by many affected people who cannot pay the huge debts created by this system.
But above all, the data reflects an increase in claims linked to: Allegation that fraudulent payment was made with these payment instruments, As the Bank of Spain emphasizes, this is also reflected in the increase. assigning claims (Those who went from 38 to 59) for the same reason. In many cases claims the financial controller can do nothing about – blocked in 47% of cases nationally – because it is the responsibility of the courts to determine the circumstances in which they occur.
Those who decide to appeal to a state that is relevant to their situation are much better off. current account -maintenance commission in general- created last year 335 complaints in Alicante, 24.5% more. Contrary to what is on the cards, in this case the damage service Bank of Spain resolved 70% of claims presented and in most cases due to intrusion of the organization. In other words, the bank itself agrees with the customer and refunds the requested amount.
Other reasons
As for other reasons for complaint; mortgages They created 229 files, 42.4% fewer. This decline may be linked to the fact that the supervisory authority does not accept more than 90% of the submitted claims and the alleged abuse of expenses related to the formalization of the loan. A matter over which he has no authority and must refer those affected to the courts.
Behind these, there are disagreements on the subject. personal credit60 more allegations were added in the province; the legacies34 causing disagreement; Other payment services such as receipts and debtsreached a total of 16 claims; And cashier servicesThere are 12 complaints.
Disputes reaching the Bank of Spain complaints service are only top of the iceberg All produced since we applied for this service First of all, you should file a complaint with the customer lawyers of the relevant organizations.. However, if no response is received or no agreement is reached within the specified time, the request may be submitted to the superior.
Also decisions These are not binding. So banks can refuse to comply with them. The government wants to fix this situation with the new banking customer ombudsman figure, which is still awaiting approval.