Perfect Bank
They are perfect bank - too perfect. 


I had two cases with  N26. Once almighty greedy ebay.com overcharged me for selling the item (maybe I was wrong with this one, ebay did not changed experience for the better by pointing me to the support on facebook ;-) ) and neither n26.com was great help too. They assigned the agent on my case, many mails went back and forth, they were refusing to help me, they pointed that I should contact, but how can I involve ebay when they ignored me? As far as remember this dude pointed me to contact info at ebay dot com ;-)  Great help N26.com!  :) This time was similar to the first one. I had unauthorised charge from VietnamCupid (dating site), I was actually their member and I had paid couple of times for their services. Lost interest in them (good portion of woman there are cyber beggars (they are hungry, they lost their phone) and gold diggers) but I left possibility that I could maybe talk with some nice and interesting woman in future. Until ya sneaky Aussie guys hehe, charged me 36 or something EUR for Platinum service which I did not asked for at all. By the way, VietnamCupid keeps your CC info on the file, so if you ever get some unasked charge from them or by some criminal who exploited some 10 years software bug, you know - IT IS YOUR FAULT, not OURS :D  Never mind, back to N26.com. I complained to them about this, they say - sure we will look into your case and contact you. Ok. Week passed, no contact, I chatted with support, this time story changed. First they started that I need to block card (Beware of the cheap banks, they are giving blame on you - reorder card, not any talk how to reverse charge), this time I reacted angry, I said that last week I've heard another story. Oh, yes,  I have to fill claim  blabla, had to fill file complain. I lost interest, it is not worth my 36 EUR to have headache with this crappy bank. Had to find another ASAP. So summa summarum, it is up to you if you want very cheap convinent bank (like N26.com) , which is perfect until you have sort of problem. Or you pay say services of the real bank - average 40 EUR every year, who will listen your complains and act accordingly.  I think 40 EUR is nothing compared to your nerves in the long run. Imagine if some criminal pulls the file from crappy noName dating site with your CC and pulls 1000 EUR from your card, and what will happen if your bank is N26.com? Think twice :)


EDIT:

"As both of your cases would have appeared to be merchants you had previously dealt with for authorised transactions, our chargeback team would request that you try your best to make contact with the involved merchant, as this would greatly assist us in the chargeback dispute process. " 

Dear N26.com what to do when merchant simply ignores you? Multiple times in first case I told your agent that ebay is simply ignoring me in my complains, no reasonable human response, but your employee ignored me. He kept to script: Contact merchant. But if the merchant does not respond? What then? Well, er..uhm write them to (Agent digged the email on front of ebay page) info at ebay.com ? And then off course they do not respond.  Sorry dude, no help, you did not get reply from the merchant. At the end you give up. It is not worth your mental health these 50-60 EUR. Well, is that respect of customer?

Another epic treatment from N26.com support:

I went to pull some money from crappy Eastern European  bank in Xxxyz Crap Country, sure got receipt from ATM, no money, but they charged my account. Haha Fine. Went to bank, obviously they are used to this crap, they said oh, "probably bank bills got mixed or something." Yes fine, not my problem what we are going to do, I did not get money and you charged me for warm air.  Well contact your bank. Ok. Went to N26.com support, the support agent told me well contact the bank who owns the ATM. Fine, called bank on phone - they say: "sure give me your number we will contact somebody in our claiming center or something,and call you back" After 15 minutes they called back and told me I had to complain to my bank to solve the issue. Okkkk. Went again to chat with another agent who turned out he was capable dude (I think his name was Michael), he asked me for receipt from ATM, I send it, and explained him what was the issue, fine I was thinking they will fixed it. But wait, in day or two there is agent who wrote to me that there is unclear things about my claim and if I can repeat him exactly what happened? I asked him what was unclear in my claim, he continued with canned BS.  I am really tired with this..is this support?

You have to explain 3x times same thing? Kinda interrogation or what? What a crap...