Such a breakdown is rare – and actually it shouldn’t even exist: DKB customers had double bookings on their account on Friday and suddenly had no more or less money than expected. It can sometimes be a disaster for customers if they suddenly can no longer pay.
The anger of the DKB customers is discharged on Facebook , among other things . There the DKB informed on Friday about the booking gap . Also in the DKB banking appand on the bank’s website the first information about the breakdown was available on Friday. The bank officially states that on Thursday, November 3, some bookings from October 2022 were re-executed. “Most of the transactions that were affected were those that took place between 03.10. were made by October 11, 2022,” said the bank. How it came about is still completely open to the bank today. The consequences for customers are sometimes serious. Because the period from October 1st to 3rd was a long weekend, all relevant bookings for the month of October were carried out in the period concerned. Now at least part of it has been booked again.
DUPLICATE POSTINGS LED TO EXCESSIVE DKB OVERDRAFT FACILITIES
Some customers speak of 30 to 40 bookings that have been repeated for them. Since there were sometimes high debits such as paying rent, many DKB accounts slipped into the red on Friday – some even far beyond the overdraft facility. This had serious consequences for the customers affected. Because the DKB systems then no longer allowed payments with the Visa debit card or the V-Pay card. So customers stood at the supermarket checkout and could n’t pay for their weekend shopping . Travelers who had no money with them abroad were even worse affected.
A statement from the DKB states: “We are very sorry if you experienced an unpleasant situation through our fault. You may have temporarily slipped into the overdraft facility due to the incorrect bookings from Thursday, November 3rd, 2022. As soon as the amounts have been booked back, you can use your debit card as usual again.” This is not really helpful for the customers concerned. It would have been more helpful if the DKB had allowed payments to be made at the moment the breakdown was determined, despite the supposedly excessive overdraft facility.
DKB MAKES RETURNED DIRECT DEBITS A PROBLEM FOR CUSTOMERS
Worse still: It is also possible that direct debits have burst due to the overdraft facility that was not your fault. It is possible that DKB customers have now attracted negative attention from the electricity provider , the landlord or the telephone company. The DKB says that customers should check the payments planned for November 3rd and 4th. “If you find that a standing order you set up or one of your transfers has not been carried out, we ask you to initiate this in banking as a new individual booking. If you find that a direct debit or a standing order from a service provider (e.g. electricity provider) has not been carried out, we ask you to inform them. He may have to initiate the direct debit again.”
Here, too, the DKB passes the work on to its customers due to the breakdown it caused. The DKB would have to be able to easily understand in its systems which direct debits failed and which transfers it did not carry out. It would be the task of the DKB to wave this through and book it afterwards. The minimum would be personal information from the affected customers. Because not every customer will look into their account every day and notice the breakdown along with returned direct debits. However, according to the DKB, this is not possible. “Unfortunately, we do not have the necessary information, such as the contact details of your service provider. your checking accountis subject to strict regulatory requirements,” it says on the DKB website since Sunday morning. “We would therefore like to ask you to re-execute the corresponding direct debits and transfers or to contact your service provider.”
In its statement, it initially left open whether the DKB would assume the costs incurred as a result of failed direct debits. You only assure that the customers do not have to pay overdraft interest, since the correction postings that have started in the meantime are valued retrospectively. However, that should also be self-evident. Also on Sunday she added: “If you have incurred costs, e.g. due to reminders, we will check them! We are very sorry that this causes you more work. We apologize to you for that.”
