HumanNature - or maybe you would like to be a guest columnist, the way you handled the "forced" deposit into Just One account issue can benefit many others so they are not conned by SCB staff.
haha bro, i am not qualified leh. Whatever that I type here, you can feel free to use. No need give credit also no problem. *congrats on the rolex
Let me share my experience.
It is a long story starting from the the first 4.25% 15m promo. The branch manager insisted that I need to open a Just One account with RM1500 min deposit (which she claimed can be withdrawn the next day). From this thread, I know that there is no mention of specific CASA. I insisted on opening a BSA with RM20 minimum deposit and she relented. It is during this first deposit that my cert was placed under option (1). Partly my mistake for failure to check.
One week later, I went to place under the 18 m promo and since I already have the BSA, I just tied it there. Thanks to this thread, I corrected the manager about the RM1500 Just One requirement but she said I am wrong. Okay, no problem coz I got my BSA already.
2 weeks later, I went again for the same 18 m promo but this time I want to open a joint account so I cannot use my BSA. The branch manager told me that she will contact HQ to ask about it. She went into her room and did not come out for 10-15 mins. The officer who is opening my account felt embarrassed and told me the truth, actually no need but they want sales. Okay, so I went to the manager's office and she said she already called HQ but need RM1500. I said okay, I will verify myself with HQ and she said go ahead. So I opened a joint BSA account but since it was already too late, I have to collect the cert on the next day. I was really angry because it means parking fees and petrol. And it means this is the third time she is trying to deceive me.
Upon reaching home, I email to their general customer service asking whether Just One requires any deposit and the answer is no. Having dealt with Bank Negara many times on credit card matters, I know I have a case. So I forwarded that reply from the bank to Bank Negara and detailed my experience. I asked what is BNM position regarding deceiving customers for sales and asked to be compensated.
So someone from the bank HQ called me and she asked what I want for compensation. So I just give her an amount (actually it was a small amount coz I only considered the parking fee, petrol and BSA rm20 deposit) and she said will get management approval. Later on, she called back saying that the management only approved for the parking fee and petrol. In that case, I said I want the compensation to include my time wasted on this issue. I told her what I am getting paid per hour and give her a new total figure. She said will check with management. Of course the management did not agree and offer me the initial amount. I am not trying to make a profit but just to set an example, so I accepted it. I am not going to collect from the branch, so they send two officers to deliver it to me.
Just one month ago, I went to place a new FD and the branch manager already recognize my face and name. I am just a normal customer, no PB
The idea here is that, they (the complaint department) already know that I have past history of complaining to Bank Negara. So when I did not receive the interest this time, I just need to email to the regular customer service department. The bank manager contacted me and tried to explain that I am under option (1) but luckily from here, I know that those under option (2) and (3) are affected. So I managed to get the first cert to be changed to option (2) and that there will be no problem with my other certs.