I recently encountered a disappointing experience with my bank, where my account was unexpectedly restricted due to a expired card. The incident started when I tried to transfer money from my salary card to my savings card, but the transaction failed. The bank's system warned me that my account was being restricted for security reasons and required me to visit the bank in person to resolve the issue. Despite my cards having sufficient balance and the transaction history being typically minimal, with most being internal transfers to myself.
I contacted the bank's customer service and was told that an employee couldn't find the cause of the restriction, nor did they have the authority to lift it, and I would need to visit the bank in person. However, after filing a complaint with the China Banking Regulatory Commission, the bank called me back quickly and provided a new explanation - that my savings card had expired, which led to the entire account being restricted.
I was quite surprised and frustrated by the bank's inconsistencies and inflexibility. They initially told me to visit the bank in person, which I refused to do, and then suddenly told me that they could schedule an appointment for me to resolve the issue at the bank. However, after some time, the restriction was still not lifted, and I had to file another complaint. The experience left me feeling that the bank's decisions were arbitrary and unreasonable, and I believe that customers deserve better service and communication from their financial institutions.