Bao Guan Wang

The most disgusting bank I have ever dealt with in my entire life.

You never know when money will actually be deducted from your account. The whole banking experience is unpredictable and stressful.

The customer service is completely incompetent. Whenever you contact them for help, you end up wasting your time and often creating even more problems because different agents provide misleading or contradictory information.

For example, when I simply asked why the Kontoalarm was not working, a customer service representative actually told me to file a complaint against her instead of trying to solve the problem.

On another occasion, both photoTAN and online banking stopped working—I couldn’t activate photoTAN or even log into my account. After I explained this, the agent simply told me that I had to activate photoTAN before he could help me, completely ignoring the fact that the reason I was calling was because photoTAN itself could not be activated.

The online banking app is a complete disaster. The Kontoalarm has never worked properly despite reinstalling the app and updating it to the latest version. Incoming transfers are frequently delayed. I often had to wait half a day or even an entire day longer than my colleagues before my salary actually became available in my account.

To make matters even worse, after closing my account, Commerzbank even charged me a fee without any prior notice or a clear explanation of what it was for.

The worst experience, however, was related to a failed direct debit. In my experience, the failed payment was caused by technical issues and problems with their online banking system, which resulted in the payment being reversed and Payback pursuing me for the returned payment.

I filed a complaint with BaFin. In its official response, Commerzbank insisted that the returned direct debit was “not due to a technical error” (”nicht aufgrund eines technischen Fehlers”) and described the refund as “a one-time gesture of goodwill” (”einmalig aus Kulanz”). They also stated that they considered all of my questions to have been “answered transparently and conclusively.”

I found this response extremely arrogant. Instead of acknowledging my concerns, they denied any technical problem and presented the refund as a gesture of goodwill, as if they were doing me a favor

The worst bank I have ever dealt with.

They constantly ignore emails sent to customer service unless you escalate the issue to BaFin.

Their customer service is also the worst I have ever experienced. Instead of solving problems, they create new ones every time and provide misleading or inaccurate information.

I also experienced racist behavior from one of their customer service representatives. When I explained in German that my German was not very good and politely asked them to speak more slowly, the representative started yelling at me, mocked my accent, and then hung up the phone.

The most ridiculous part was that when I reported this unacceptable behavior to their complaints department, their response was simply to close my account instead of addressing the issue.