One texted, one didn't.

Hello, I am the last user of your mobile phone card. The bank card is bound to the mobile phone number, so when you withdraw money or deposit money from the bank card, I will send you a message. If this is not your bank card, you can call the bank to inform the situation and ask to cancel the SMS reminder.

What are the main ways for consumers to protect their rights in the banking industry?

There are three main ways for consumers to complain about the products and services of banking financial institutions or the matters that infringe on the legitimate rights and interests of consumers when they provide products or services:

1. Complain to the business outlets of banking institutions or their superior management departments.

How to complain to the business outlets of banking financial institutions?

If consumers in the banking industry are dissatisfied with the products or services of the bank, they should first contact the bank outlets where the business takes place and complain to the bank outlets where the business takes place through letters, telephone calls and visits. So that consumers' complaints can be handled promptly and quickly.

Banking financial institutions shall publish telephone, internet, letters and other complaint methods and complaint procedures in a prominent position in their business outlets and official websites.

Banking financial institutions shall do a good job in complaint registration in a timely manner, and inform customers of the time limit for acceptance and handling and contact information in an effective way. The time limit for handling complaints shall not exceed 5 working days in principle. If the situation is complicated or there are special reasons, the processing time limit may be appropriately extended, but the longest time limit shall not exceed 60 working days, and consumers shall be informed of the extension time limit and reasons by SMS, telephone, mail, letter, etc.

How to complain to the superior institutions of banking financial institutions' business outlets?

If consumers are not satisfied with the complaint handling results of bank outlets, they can report the situation to their competent banks through letters, telephone calls and visits. Bank outlets will publicize complaint telephone numbers or other complaint methods. In order to deal with consumer complaints in time.

Second, complain to the financial supervision department.

How to complain to the regulatory authorities?

If consumers think that the above complaints have not been properly handled by banking financial institutions or are not satisfied with the handling, they can complain to the local banking regulatory bureau again according to the principle of territoriality.

Complaints to the banking regulatory bureau should generally be made in writing, and the complaint events and nature should be explained in detail. Complaints should be clear, the facts should be clear, and relevant verifiable evidence, the complainant's name and contact information should be provided.

The banking regulatory bureau (or banking supervision branch) shall review the complaint after receiving it, and generally make a decision on whether to accept it within 5 working days; Complaints that do not meet the acceptance conditions will be informed to consumers in a timely manner. After accepting the complaint, an investigation will be conducted, and the banking financial institution or regulatory department will reply to the complainant within 30 working days and no more than 60 days at the longest.

Three, to the local consumer rights protection agencies to claim rights or bring a civil lawsuit to the court.

What is the general line of complaint?

Complaints should be made in accordance with the principle of "first grass roots, then superiors, first institutions, then supervision", that is, complaints should be made to the banking financial institutions' business outlets and their superior institutions first, and then to the regulatory agencies where the complaints occurred. Any link can be directly brought to court.