Several years ago, I had an online banking account with Incobank. Recently, I attempted to register for a new online banking account. I carefully filled out all the necessary forms and successfully passed all the verification steps. However, I did not receive my login credentials and was unable to access my account.
Upon contacting your customer support center, I was informed that an individual is allowed to register only once and cannot create a new account. After a lengthy conversation, the support team agreed to send my username to the email address I provided during the registration process. When asked if I had access to the email I used several years ago, I confirmed and agreed to receive the password there.
Unfortunately, it was then discovered that the bank employee who created my account years ago had recorded my email incorrectly, using the domain "protonmail.ru," which does not exist. This error is clearly not my fault, as it is illogical for me to have provided an invalid email domain. Moreover, it is unreasonable that my old account could have an active status with an invalid email.
Despite being verified through the standard procedures, including a selfie verification, your support team refused to correct their mistake and insisted on additional, redundant actions from my side. This additional verification is unnecessary and contradicts the fact that I have already been verified through multiple steps.
It is now 2024, and I suggest implementing a feature that can autofill client credentials after an ID number is entered.
1. Additionally, the system should proactively inform clients about data inconsistencies rather than waiting for clients to contact you.
2. Please correct mistakes made by your employees (like protonmail.ru) and, based on all provided information (Name, Last Name, ID, Date of Birth, document photos, and real-time selfie), update the relation of the new email to the old account.
The account was acquired in the spring of 22.
At the end of the year he left for another state.
I transferred the currency and sent it to another account.
The next day, the bank writes to me that they are closing my account because I no longer work in Armenia and do not own real estate. I was already scared because it was written before I received my money. I sent them my residence permit, which was valid for a few more months, but this is not an argument. I am asked to reset the account - withdraw the remaining funds in drams. Well, what can I do, I say that I do not plan to withdraw the rest of the currency in drams, and that the bank can keep it for itself. To which I get the answer that they will find out if it is possible. It is strange that they go to find out after they have notified me that they are stopping the maintenance of my account.
What's next? I keep getting statements from ineko and it's kind of embarrassing. I write to them, how are you, "why do I get statements if the account is closed?" To which they write to me in response - to close the account, pay for the service. Moreover, they demand that I pay for the service for months after they themselves told me that my account was being closed and that I should withdraw my money, and not close some kind of debt.
Now, almost 6 months after they reported the closure of the account, they believe that I have to pay for the maintenance of the account that they have stopped servicing. I thought such a scam was only in microloans of some kind, maybe, or financial pyramids, but no.
What will happen next? I do not know, but fortunately all the messages remained and I will refer to them. To pay the bill that they themselves have stopped servicing, after they have ignored my request for half a year to comment on their message that they have stopped servicing, and that it is necessary to withdraw funds.
If you haven't opened an account there, don't open it. If you have opened it, withdraw it faster and close it. They wrote about what I owe them the day after the Azerbaijani army entered Stepanokert. So, especially if you have a Russian passport, run away from them. Laws, contracts, logic, there is no service there.
I will add screenshots of emails in the near future.
The worst bank in Armenia, where they can't give you the money that belongs to you and block it without meaning 🫣
They told me, but I didn't listen, just stay away from Inecobank, so as not to be in my situation.😌
Do not apply for a card here, or you will regret it.
Card replenishment at the bank's terminals may not work for weeks.
Moreover, there are no universal ATMs for withdrawals and deposits. Only for withdrawal. Terminals for replenishment are located in a very small number of points.
In the bank's application, there is no division into ATMs for withdrawals and terminals for acceptance. One day, when you need to deposit money, the bank will let you down. And then again, and then again.
A great bank. I've been using it for six months now. It is clear that it is difficult to compare with Russian ones. But Armenia has the best one at the moment, plus they are constantly improving the service
I can't get through to the bank for days. This is called 24/7 support. We came to the bank with our feet, they say - call the hotline by phone, they will help you there!
On the first day, the entire list of necessary documents was explained in detail. The documents were accepted very quickly the next day. There was no queue at all. Although I signed up online just in case. And we were pleasantly surprised that in less than a day everything was processed and approved. I have received only positive emotions from Ineco Bank and its employees so far.
See original
5
2
A
Anonymous review
October 20, 2022
A terrible bank. I had to open the card. They called one necessary set of documents on the phone. On the spot, it turned out that others were needed. And when I spent time and returned again, another specialist began to ask for them in electronic form. I do not advise.
See original
15
2
Tee Gran
Level 9 Local Expert
July 29, 2022
Two weeks later, I came to the branch to get the card, the account from which I opened last Monday. Well, two weeks is two, it's okay.
The account is already there, the card is in fact also, it's just in the bank.
You choose the Current account / Card service coupon because there are no more obvious ones in the terminal, you wait 40 minutes in line, it turns out that you took the wrong coupon, and you go to wait for another bill, because one girl at the BANK's HEAD OFFICE does this for three windows, and she issues a new account to someone.
In general, if you are going here, do not do it during business hours, you will lose money while waiting.
See original
8
1
Константин Григорян
Level 20 Local Expert
June 10, 2023
Nice bank branch! All employees will answer all questions about account maintenance in detail!
I waited in line for 2 hours to open an account. I didn't wait, I left. I understand everything, the influx of Russians, but at least try something in order to clear the queue