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Inecobank
July 2024 •
1
Several years ago, I had an online banking account with Incobank. Recently, I attempted to register for a new online banking account. I carefully filled out all the necessary forms and successfully passed all the verification steps. However, I did not receive my login credentials and was unable to access my account.
Upon contacting your customer support center, I was informed that an individual is allowed to register only once and cannot create a new account. After a lengthy conversation, the support team agreed to send my username to the email address I provided during the registration process. When asked if I had access to the email I used several years ago, I confirmed and agreed to receive the password there.
Unfortunately, it was then discovered that the bank employee who created my account years ago had recorded my email incorrectly, using the domain "protonmail.ru," which does not exist. This error is clearly not my fault, as it is illogical for me to have provided an invalid email domain. Moreover, it is unreasonable that my old account could have an active status with an invalid email.
Despite being verified through the standard procedures, including a selfie verification, your support team refused to correct their mistake and insisted on additional, redundant actions from my side. This additional verification is unnecessary and contradicts the fact that I have already been verified through multiple steps.
It is now 2024, and I suggest implementing a feature that can autofill client credentials after an ID number is entered.
1. Additionally, the system should proactively inform clients about data inconsistencies rather than waiting for clients to contact you.
2. Please correct mistakes made by your employees (like protonmail.ru) and, based on all provided information (Name, Last Name, ID, Date of Birth, document photos, and real-time selfie), update the relation of the new email to the old account.