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Ringgit millionaire sent a Karen email to ambank
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TSParadigmata
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 Sep 14 2025, 10:58 AM, updated 3 months ago
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» Click to show Spoiler - click again to hide... « Subject: Utter Frustration with AmBank Online’s Absurd Policies and Useless Customer Service
Dear AmBank Customer Service,
I am absolutely fed up with the ridiculous and infuriating experience I’ve had with AmBank Online and your utterly deplorable customer service. Your so-called “SOPs” are a complete nightmare, and I’m beyond exasperated by the sheer incompetence I’ve encountered.
To start, your uncommunicated, nonsensical rule about banning online access for not logging into AmBank Online within 90 days is outrageous. Nobody told me this when I opened my savings account, which, by the way, doesn’t even come with a debit card! How am I supposed to know about a policy you never bothered to explain? This lack of transparency is maddening and has left me stranded without access to my own money.
When I called your customer service to sort this mess out, I was stuck on the phone for over an hour—AN HOUR—with zero resolution. The agent had the audacity to tell me to drag myself to a physical branch to get a “replacement card” for a debit card I never knew existed, never received, and apparently can’t even be traced! No delivery details, no tracking records—nothing! How is this acceptable?
To top it off, I tried resetting my password with my credit card number, only to be slapped with a cryptic T018 error that got me nowhere. Your AmBank Online platform is as useless as your customer service, which is saying something because both are an absolute disgrace.
I’m now forced to wait through a long public holiday before I can even think about resolving this during working hours at a branch—because apparently, your systems can’t handle basic issues without wasting my time and energy. This entire ordeal is infuriating, and I’m sick of jumping through hoops for something that’s entirely your fault.
Fix this immediately. Scrap your absurd 90-day login rule, communicate account requirements clearly, and get your customer service act together. I demand my online access be restored without me having to trek to a branch or deal with this replacement card nonsense. Do your job and resolve this now.
Sincerely,
Email Rephrase by chatgpt. Though I am not ambank signiture customer, I just have normal visa infinite 50k credit card from them, now as ringgit millionaire, behave like B40 Karen, see how will they respond. 🤭 |
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SUSSihambodoh
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Sep 14 2025, 11:01 AM
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Your life, my dream.
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mushigen
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Sep 14 2025, 11:09 AM
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Locked out for not logging in after 90 days memang inconvenient. What's their reason for doing so?
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RT8081
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Sep 14 2025, 11:10 AM
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Why people still use that bank ?
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DarkAeon
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Sep 14 2025, 11:11 AM
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there are a few banks i won't touch. unless i bontot gatal wan to argue with the customer service all the time
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raulxiver
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Sep 14 2025, 11:19 AM
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Just use other bank if the service not up to her expectation. The bank will not change because her complain, who she think she is
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p4n6
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Sep 14 2025, 11:25 AM
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I think the 90 days rule is to prevent mule accounts used for scam purposes but credit card online account by right shall not be that way if with active transactions.
At least shall email or sms user to inform will be locked before lock.
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stanck
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Sep 14 2025, 11:26 AM
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Getting Started
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U will be surprise that maybe your bank does that too but we just don't know because we are using it on monthly basis
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JimbeamofNRT
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Sep 14 2025, 11:27 AM
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QUOTE(Paradigmata @ Sep 14 2025, 10:58 AM) » Click to show Spoiler - click again to hide... « Subject: Utter Frustration with AmBank Online’s Absurd Policies and Useless Customer Service
Dear AmBank Customer Service,
I am absolutely fed up with the ridiculous and infuriating experience I’ve had with AmBank Online and your utterly deplorable customer service. Your so-called “SOPs” are a complete nightmare, and I’m beyond exasperated by the sheer incompetence I’ve encountered.
To start, your uncommunicated, nonsensical rule about banning online access for not logging into AmBank Online within 90 days is outrageous. Nobody told me this when I opened my savings account, which, by the way, doesn’t even come with a debit card! How am I supposed to know about a policy you never bothered to explain? This lack of transparency is maddening and has left me stranded without access to my own money.
When I called your customer service to sort this mess out, I was stuck on the phone for over an hour—AN HOUR—with zero resolution. The agent had the audacity to tell me to drag myself to a physical branch to get a “replacement card” for a debit card I never knew existed, never received, and apparently can’t even be traced! No delivery details, no tracking records—nothing! How is this acceptable?
To top it off, I tried resetting my password with my credit card number, only to be slapped with a cryptic T018 error that got me nowhere. Your AmBank Online platform is as useless as your customer service, which is saying something because both are an absolute disgrace.
I’m now forced to wait through a long public holiday before I can even think about resolving this during working hours at a branch—because apparently, your systems can’t handle basic issues without wasting my time and energy. This entire ordeal is infuriating, and I’m sick of jumping through hoops for something that’s entirely your fault.
Fix this immediately. Scrap your absurd 90-day login rule, communicate account requirements clearly, and get your customer service act together. I demand my online access be restored without me having to trek to a branch or deal with this replacement card nonsense. Do your job and resolve this now.
Sincerely,
Email Rephrase by chatgpt. Though I am not ambank signiture customer, I just have normal visa infinite 50k credit card from them, now as ringgit millionaire, behave like B40 Karen, see how will they respond. 🤭 QUOTE(RT8081 @ Sep 14 2025, 11:10 AM) Why people still use that bank ? was about to ask the same Q. HLB got one of the best customer service for banking. |
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Baconateer
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Sep 14 2025, 11:30 AM
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here comes the sei sohai again
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RT8081
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Sep 14 2025, 11:30 AM
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QUOTE(JimbeamofNRT @ Sep 14 2025, 11:27 AM) was about to ask the same Q. HLB got one of the best customer service for banking. Exactly. So many Banks to choose. |
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TSParadigmata
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Sep 14 2025, 11:32 AM
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QUOTE(RT8081 @ Sep 14 2025, 11:30 AM) Exactly. So many Banks to choose. Ambank visa infinite come with buy 1 free 1 in lemon garden |
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RT8081
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Sep 14 2025, 11:33 AM
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QUOTE(Paradigmata @ Sep 14 2025, 11:32 AM) Ambank visa infinite come with buy 1 free 1 in lemon garden Lol |
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JimbeamofNRT
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Sep 14 2025, 11:34 AM
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QUOTE(Paradigmata @ Sep 14 2025, 11:32 AM) Ambank visa infinite come with buy 1 free 1 in lemon garden dont bother, it doesnt applicable to foreveralone fella |
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yeapsc73
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Sep 14 2025, 11:37 AM
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QUOTE(JimbeamofNRT @ Sep 14 2025, 11:27 AM) was about to ask the same Q. HLB got one of the best customer service for banking. +1 for HLB, got my 8 years old housing loan interest rates revised downwards one week after application. Should have asked them earlier. |
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jblittleboy
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Sep 14 2025, 11:40 AM
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New Member
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HLB > HSBC
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mushigen
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Sep 14 2025, 11:55 AM
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QUOTE(p4n6 @ Sep 14 2025, 11:25 AM) I think the 90 days rule is to prevent mule accounts used for scam purposes but credit card online account by right shall not be that way if with active transactions. At least shall email or sms user to inform will be locked before lock. How does it prevent the account from being made a mule account? |
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Azamat_Bagatov
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Sep 14 2025, 11:57 AM
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Getting Started
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bank doesn't care anyway
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smallgiant
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Sep 14 2025, 12:01 PM
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New Member
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Maybank also has that 90 days rule, pretty sure it's standard.
This post has been edited by smallgiant: Sep 14 2025, 12:01 PM
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ry8128
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Sep 14 2025, 12:03 PM
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Sei sohai ringgit millionaire that want buy car parts from taobao lai liao, lulz
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xpole
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Sep 14 2025, 12:10 PM
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I thought some banks implement 90 days rules?
Why she insists to do some transaction when she knows the long holidays are coming soon?
Punyalah banyak hari dan bulan that she can do it
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Skidd Chung
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Sep 14 2025, 12:14 PM
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QUOTE(RT8081 @ Sep 14 2025, 11:10 AM) Why people still use that bank ? QUOTE(JimbeamofNRT @ Sep 14 2025, 11:27 AM) was about to ask the same Q. HLB got one of the best customer service for banking. Possibly to park FD funds. Certain banks has special offers for FD from time to time. Current normal FD rates of 2.1% is not satisfactory. So banks have offers up to 4% for a certain period in order to maintain high number of deposits. (for reference, ASM for non-bumis only offer 4-4.5%) FD investors typically chase these offers because not all banks offer it permanently and the offers will not roll-over to next period. And also ASM is limited for these NONs. For example AMBank currently has 3.6% for 10 months eFixedDeposit. So these people will open account, deposit money whenever Ambank has an offer and will switch their fund to other banks when their offers are better. They don't need an ATM card or visit physically to transfer their funds. All can be done online. Don't think these people doing this kind of FD chasing are playing with tens of thousands only, it could be hundreds of thousands of RM or even millions. |
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RT8081
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Sep 14 2025, 12:16 PM
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QUOTE(Skidd Chung @ Sep 14 2025, 12:14 PM) Possibly to park FD funds. Certain banks has special offers for FD from time to time. Current normal FD rates of 2.1% is not satisfactory. So banks have offers up to 4% for a certain period in order to maintain high number of deposits. (for reference, ASM for non-bumis only offer 4-4.5%) FD investors typically chase these offers because not all banks offer it permanently and the offers will not roll-over to next period. And also ASM is limited for these NONs. For example AMBank currently has 3.6% for 10 months eFixedDeposit. So these people will open account, deposit money whenever Ambank has an offer and will switch their fund to other banks when their offers are better. They don't need an ATM card or visit physically to transfer their funds. All can be done online. Don't think these people doing this kind of FD chasing are playing with tens of thousands only, it could be hundreds of thousands of RM or even millions. Oh ok, understand now. Thanks |
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Burningsunz
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Sep 14 2025, 12:44 PM
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QUOTE(p4n6 @ Sep 14 2025, 11:25 AM) I think the 90 days rule is to prevent mule accounts used for scam purposes but credit card online account by right shall not be that way if with active transactions. At least shall email or sms user to inform will be locked before lock. Macam ada sms. I macam got receive. I also shocked when i receive the sms. Wait i cari see. Tak ada, only got sms for pre dormant. But i think bestest part is Public Bank, they change new app, my phone cannot support the new app cause my phone already 5 years old. Even if i dont want to use app use desktop also cannot, call customer service also they say have to use new app. So now i can't access my pb account This post has been edited by Burningsunz: Sep 14 2025, 12:48 PM |
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littlegamer
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Sep 14 2025, 12:47 PM
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Ringgit millionaire, is that some poor man's joke?
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Chrix
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Sep 14 2025, 01:21 PM
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Photo of complainer for verification pls.
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gooroojee
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Sep 14 2025, 01:28 PM
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To be fair. It's very frustrating when you suddenly don't have access to your own money...
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p4n6
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Sep 14 2025, 01:35 PM
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QUOTE(mushigen @ Sep 14 2025, 11:55 AM) How does it prevent the account from being made a mule account? If not mistaken, those idle accounts are being exploited (perhaps internal help from bankers), to transfer money in and out fo money laundering purposes, scammers provide people the idle account as proxy. Cause since is idle people dont check transactions .. not knowing being hacked. |
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poooky
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Sep 14 2025, 01:48 PM
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As unker who did frontline customer service. it is never good idea to be Karen to front line staff who is already doing they best to resolve your issue.
Those staff is lowly paid and do shift work. They dun has all the power just do your "simple" request. Deswai ask you go branch for certain things.
You do lidis show your superior just ensure that noone wants to deal with you. Not what you want when it comes to fianncials
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Satan Fallen One
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Sep 14 2025, 02:32 PM
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New Member
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I don't think this count as Karen when it is actually legitimate concerns.
Like you don't think banks failing to inform you about the limitations of their system concerning?
And what is that about the bank not telling the customers about physical card until something go shit?
I had this happened to me before where the bank blocked my account and card from online transaction while I was in Singapore. That was the most infuriating shit ever because all my bills are paid online using the card and account.
This post has been edited by Satan Fallen One: Sep 14 2025, 02:32 PM
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k!nex
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Sep 14 2025, 02:40 PM
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QUOTE(smallgiant @ Sep 14 2025, 12:01 PM) Maybank also has that 90 days rule, pretty sure it's standard. Maybe this is Bank Negara rule to prevent bank insiders from stealing from dormant accounts. Especially dead account owners pending court orders to allow money transfer to next of kin, those can take months to proceed. |
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Ayambetul
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Sep 14 2025, 02:43 PM
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QUOTE(JimbeamofNRT @ Sep 14 2025, 11:34 AM) dont bother, it doesnt applicable to foreveralone fella LELELELELEL Ayam feel burnttttt |
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Ayambetul
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Sep 14 2025, 02:44 PM
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QUOTE(mushigen @ Sep 14 2025, 11:55 AM) How does it prevent the account from being made a mule account? Dunno. Only ambank can tell. |
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SUSnasiputih
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Sep 14 2025, 02:50 PM
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Getting Started
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QUOTE(Satan Fallen One @ Sep 14 2025, 02:32 PM) I don't think this count as Karen when it is actually legitimate concerns. Like you don't think banks failing to inform you about the limitations of their system concerning? And what is that about the bank not telling the customers about physical card until something go shit? I had this happened to me before where the bank blocked my account and card from online transaction while I was in Singapore. That was the most infuriating shit ever because all my bills are paid online using the card and account. how to conperm is legit concerns when she wont verify herself at branch? bank didnt inform? onyl got 1sided storey. bank block your acc, when you at singapork? - maybe to protect againts international fraud, since you suddenly login from oberseas? karen trying not to go branch to verifuy. - thats classic scammer Beraking news: Customer sues bank for allow scammers to withdraw RM5millions without customer being present at branch, after 90days deactivation. victim says, "what type of bank allow a nasty fake customer email to break safety rules!!! it wasnt me, its was a scammer!! why didnt customer serbis ask to goto branch to verify identity? i dont care if its a long horiday or i have to run around or i dont have access to my money for a few days, my money safety from scammer is more important!! i dont care, i want my money back!!" |
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JimbeamofNRT
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Sep 14 2025, 04:23 PM
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QUOTE(Ayambetul @ Sep 14 2025, 02:43 PM) LELELELELEL Ayam feel burnttttt eh no worries, got FuBu can use that priviledge  |
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TSParadigmata
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Sep 14 2025, 09:58 PM
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QUOTE(Satan Fallen One @ Sep 14 2025, 02:32 PM) I don't think this count as Karen when it is actually legitimate concerns. Like you don't think banks failing to inform you about the limitations of their system concerning? And what is that about the bank not telling the customers about physical card until something go shit? I had this happened to me before where the bank blocked my account and card from online transaction while I was in Singapore. That was the most infuriating shit ever because all my bills are paid online using the card and account. I actually asked the customer service what if I am not in msia, she just reply if that scenario, other method will be provided. I ask what the method, she reply that bank policy changes time to time, pandai pusing I actually got lock out with cimb due to location sensitive, like while in golden triangle, after verification, can access |
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marfccy
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Sep 14 2025, 10:05 PM
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QUOTE(mushigen @ Sep 14 2025, 11:09 AM) Locked out for not logging in after 90 days memang inconvenient. What's their reason for doing so? supposedly to prevent "reactivation" of dead accounts to be used as mules. but mules are smarter than this TBH public bank also locked my account because "i need to login via browser to count as a login", using app doesnt count (WTF?) |
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mushigen
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Sep 14 2025, 10:19 PM
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QUOTE(marfccy @ Sep 14 2025, 10:05 PM) supposedly to prevent "reactivation" of dead accounts to be used as mules. but mules are smarter than this TBH public bank also locked my account because " i need to login via browser to count as a login", using app doesnt count (WTF?)Huh? Wtf? |
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marfccy
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Sep 14 2025, 10:38 PM
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QUOTE(mushigen @ Sep 14 2025, 10:19 PM) thats what the PBE customer service told me when i called lol, sounds like nonsense good thing is i only have CC account with them, no savings. but its still fucking annoying they told me need go branch to "reactivate" dormant account that dormant because of that |
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marfccy
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Sep 14 2025, 10:38 PM
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zz internet
This post has been edited by marfccy: Sep 14 2025, 10:39 PM
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Randomization
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Sep 14 2025, 10:51 PM
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WTF is this shiat.
Self draft rubbish email, self open tered.
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james.6831
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Sep 14 2025, 11:05 PM
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Kah kah i had the same error and same reaction with their customer service. You need a damn debit card to access their online app and website now. I also was never given a debit card despite having a savings account and mortgage loan for over 10 years. In the end hv to go to physical branch and get a debit card….
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