I opened a German bank account last year, in Deutsche Bank. There's a whole thread about it in the Deposits section.
Anyway, checking my account online late last year I found that "Alice und O2", a mobile company I think, had deducted money from my account, and had credited it again. I had not authorised ANY debits at all from my account.
This year again, the deducted around €15 in January and February.
I called DB repeatedly about this. Long story short: they refund my money, but they insist that I should call "Alice und O2" to try to stop these debits. I insist that it is DB's responsibility to protect my money, which I entrust to them.
In the end DB phone help keeps passing me on to someone else, until eventually the phone line just breaks off.
I don't think it's anything malicious, but I don't see why I should go calling an mobile company in Germany about this. You can imagine how many menus I would have to go through.
What is a bank's responsibility? Do they have an obligation to check every direct debit? Do they have to follow up and try to block any repeated bogus debits?
Anyway, checking my account online late last year I found that "Alice und O2", a mobile company I think, had deducted money from my account, and had credited it again. I had not authorised ANY debits at all from my account.
This year again, the deducted around €15 in January and February.
I called DB repeatedly about this. Long story short: they refund my money, but they insist that I should call "Alice und O2" to try to stop these debits. I insist that it is DB's responsibility to protect my money, which I entrust to them.
In the end DB phone help keeps passing me on to someone else, until eventually the phone line just breaks off.
I don't think it's anything malicious, but I don't see why I should go calling an mobile company in Germany about this. You can imagine how many menus I would have to go through.
What is a bank's responsibility? Do they have an obligation to check every direct debit? Do they have to follow up and try to block any repeated bogus debits?