When banks ignore you, how do you handle it? Dealing with a bank’s disregard for genuine concerns and failure to respond to requests for information can be frustrating.

The egregious conduct of our bank has been well-documented, from their abuse of language to their consistent refusal to address legitimate concerns raised by customers.

Despite numerous discrepancies being brought to light, the staff at the bank have steadfastly closed ranks and hidden behind a facade of supposed investigations.

Their actions reek of secrecy and a blatant disregard for truth and transparency.

However, what is equally concerning is the apparent apathy or collusion demonstrated by ASIC, ACCC, and AFCA in their failure to adequately investigate and hold the bank accountable.

Instead of fulfilling their mandate to protect consumers and ensure fair practices, they’ve chosen to side with the bank, further perpetuating the cycle of injustice.

The bank’s refusal to engage in meaningful dialogue or provide necessary documentation speaks volumes about their lack of integrity and commitment to resolving issues. It is evident that they prioritize self-preservation over accountability and customer satisfaction.

When Banks Ignore You

Here are some steps you can take to try and address the situation, when banks ignore you:

1. Document Everything
Keep records of all communication with the bank, including emails, letters, phone calls, and in-person meetings. Note down dates, times, and the names of any representatives you speak with.

2. Follow Up
If you haven’t received a response to your initial inquiry, follow up with the bank. Be polite but persistent in your communication, emphasizing the urgency of your request. Do not believe a word they tell you.

3. Escalate the Issue
Do not expect to get anywhere with the customer service representatives. They all use scripts, and have no room to move. Ask to speak with a manager or supervisor. Explain your concerns and request a resolution to the issue, in writing.

4. File a Formal Complaint
Most banks have a formal complaints process. Look for information on the bank’s website or contact their customer service department to find out how to file a complaint. Be sure to include all relevant details and documentation.

5. Contact Regulatory Authorities
If you’re unable to resolve the issue directly with the bank, you can escalate your complaint to the appropriate regulatory authority.

The bank’s blatant disregard for regulatory guidelines, such as the ABA Banking Code of Practice and ASIC/ACCC rules, should be met with swift and decisive action.

The fact that the banks have been allowed to operate with impunity only emboldens their misconduct and undermines public trust in the financial system.

So it seems banks ignore you, because they know they can get away with it.

6. Consider Switching Banks
If the bank continues to disregard your concerns and provide poor service, you may want to consider switching to a different bank that values its customers and provides better service.

What About Legal Action

If the bank’s actions have caused you financial harm or if they are in violation of banking regulations, you may want to seek legal advice.

You may be lucky enough to find a lawyer who sees what’s really going on. And perhaps help you understand your rights and options for pursuing legal action against the bank. However, if you lose, the lawyer still takes their fees, so they don’t really care.

The difficulty here is when the banks ignore you, they know you have limited funds, and they can keep fighting till you’ve nothing left.

What’s worse, is that “Legal Action” is has nothing to do with “right and wrong”. You can have the best argument in the world and still lose, which is why 3 + 3 = 7.

Tread Carefully

Remember to remain calm and composed when dealing with the bank, even if you’re feeling frustrated.

By the way, none of this is legal advice.

Tread carefully, and do your own research, because the only real tool banks have is F.E.A.R. They use fear to entrap you about morgtage stress, even though banks and financial institutions have a responsibility to act ethically and transparently.

The biggest lesson you can learn when the banks ignore you, is that they’ve nowhere to go… If you can prove their fraudulent use of fictitious grammar, they will have no way to deny the challenge.

You simply have to be able to prove it. Get started here