My overall experience with this bank has been deeply frustrating and financially concerning. Based on what I personally went through, the process felt misleading and unfair.During the personal finance and deferment discussions, I was given clear assurances regarding cashback, joining benefits, and a profit-free deferment period. These commitments were made during recorded calls and influenced my decision to continue with the bank instead of transferring my liability elsewhere.However, after complying fully with the agreed terms, I later discovered that profit had still been charged during the deferment period, and the outstanding amount reflected in the liability letter did not match the expected balance after payments.Despite raising multiple formal complaints and providing documented proof, the matter remains unresolved. The level of follow-up required from a customer is unreasonable, and accountability appears very limited.From my personal experience, the entire situation feels misleading and handled without transparency. I strongly advise anyone dealing with this bank to obtain everything strictly in writing and verify all financial calculations independently before proceeding.
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