Request for a livret A closing certificate for months. Repeated calls and letters sent over and over again. No returns for couriers and when it comes to calls, the operators are arrogant and incompetent. To flee this type of establishment which claims to be the market leader.
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Especially especially avoid flee this bank. There is no better than the banks where we can go and see our advisers directly. By phone, you have 194,883,891 different and incompetent interlocutors some give information others say the opposite.
And even if you want to opt for an ALL but not ING online bank !!!!!!
All of you leave this bank, that's advice. The key under the door is expected !!!!
No respect for their client, their "manager" is disparaging and looks down on when there is a problem
Asking for money to make a purchase shouldn't take forever. In other banks, it doesn't work like this
As a student I wanted to open an account. Well this "online" bank's website was facing problems so I had to call their client service. After taking all my information and knowing that I was a student with no salary he started explaining me the documents I need to send which one of them was "justicatif de revenu".Wwell I had to explain that I am a student and there is regular "virments" from my parents and I can give a print of my curent bank account's transactions which he refused. Well a big loss for them because I receive and spend around 13000 euros a year and not a single euro will go to their "online" bank.
Bank not professional at all plays with the money of these customers ... the transfer never arrives on time and late at night I am never seen that elsewhere it is amazing
Consultation of the current account from his computer, classic operation and for some daily and well NO! l "the service is temporarily unavailable" MESSAGE RECURRENT day and night for several months. There are days the consultation is accessible Service H24 and of course NO NO Unacceptable !!
no customer service at all: one month to close my account, a weekly call, 4at least 4 claims. nobody is able to give me an answer and I am still waiting....don't go there, you can not trust them
Having life insurance with them, my last payment took 5 months (10 phone reminders, 2 claims).
For each basic transaction to be processed, complaints must be made. For a redemption in progress, rebelotte, even hassle for more than 6 weeks (4 reminders, 2 complaints). With competitors, in 1 week money is available. Fortunately, I am not counting on ING, this would have jeopardized my property purchase.
Unable to contact advisor by email - call a telephone center. The person indicates that they take your request into account and will call you back, but obviously never calls you back. When you remember you come across someone different and have to explain again. Then that person does not call you back, etc. Game over.
Online banking is a disaster Secret code blocked, impossible to connect Unseenable technical service The "ALERT" service does not work, which means that if you have a REJECTION or BLOCKING of your card transaction, you are not informed and do not know the cause ....
I opened an account with ING via veepee, the offer was to have two bonuses of 80, I received the first bonus when I opened it. For the second bonus, I called the after-sales service, the advisor confirmed that the Bonus will be paid and tried to convince me to open a savings account with them but I did not do it, 6 months after opening an account no second bonus. 2nd point, if you do not add funds to your account every month you will have account maintenance fees, so for me it is not a free online bank. I highly recommend other online banks but not this one
Bank probably soon bankrupt ... Application worthy of a project entrusted to 2 trainees. Service void, ceilings can not be changed even if you have the funds. When we also BOURSORAMA bank, ING suffers from the comparison ... Make you redeem before the boat sinks!
Transfer debited June 11 (triggered the 10). To this day, still no traces on the credit account, whose account number is correct.
Malgree the different claims to @ingfrance the transfer is still in the nature. However, it seems to me that the issuing bank is responsible for the proper execution of the payment order.
The services of @INGFrance_SAV is of a unique incompetence
In the meantime, I have a hole in my budget because I had to arrange a transfer through another agency. #INGFrance_SAV #INGFrance @ 60millions
I dream of standing with this bank, it's incredible. A stuck in the Stone Age is not possible. I have been waiting for a letter for almost a month to gain access to my account and the worst of it is that I still haven't received this letter. ING degrades the quality of responses by outsourcing first level calls. Agents aware of nothing, unfriendly (for the majority). Please take this comment as a help, move on, it's time to move on. Receiving an email to have access to my account is not possible. Think green !!!
For several years now, I have had a current account with ING, everything is going very well. It happened to me to have some problems but which were resolved quickly, that is the main thing. Thank you.
I have been a customer since 2011 in this bank. I have never had any particular worries, but unfortunately I am thinking of leaving ING for price reasons, but also for innovation.
Fare: Be careful when buying in euro outside the euro zone, a 2% fee is applied (with a minimum of 0.50 ), it is quite surprising that a bank charges a fee on a payment in euro ...
Innovation: The site is growing slowly with a lot of bug, ditto for the application. No Apple / Samsung Pay ... A gold card that bug on some TPE (reading the magnetic track) ...
In short, I am quite disappointed for a few months, especially seeing the competition move forward ...
! Warning ! In case of fraud on your bank card, ING refuses to compensate its customers if the confidential code has been used! This is against the law (see below). ING provides deceptive responses to its clients, and capitalizes on their poorer information as to their rights, or their fragility in the face of the steps to be taken to obtain compensation. ING was sentenced on March 13, 2019 for, but continues. They earn a year of procedures for the few customers who go to the end of their process. The French justice granting only weak damages and interests, see none in the case of the judgment to which I refer, ING remains winner. They are the only ones to act in this way to my knowledge. I am concerned myself, I have been waiting for the mediator's response for weeks before going to court if necessary. I am in contact with several other victims that ING refuses to compensate. You are warned.
"If, pursuant to Articles L. 133-16 and L. 133-17 of the Monetary and Financial Code, it is the responsibility of the payment service user to take all reasonable measures to safeguard the security of his personalized security features and promptly to inform its provider of such services of any unauthorized use of the payment instrument or the data related to it [...] it is to this provider that it is incumbent, pursuant to Articles L. 133- 19, IV, and L. 133-23 of the same Code, to provide evidence that the user, who denies having authorized a payment transaction, acted fraudulently or did not intentionally or grossly neglect his obligations; this proof can not be deduced from the fact that the payment instrument or the personal data related to it were actually used " "In the event of an unauthorized payment transaction reported by the user under the conditions set out in Article L. 133-24, the payment service provider of the payer shall reimburse the payer for the amount of the unauthorized transaction immediately after have taken note of the transaction or after having been informed of it, and in any event not later than the end of the next working day '
In response to your answer: There has been no study on your part. You are hiding behind the fact that the code was used for not paying back. It is against the law. Do you know how to read? I just handed you the texts. Stop. You know that you are acting dishonestly. See you soon. Count on me.
Very disappointing ... online banking to avoid !!!! FUY IF YOU ARE! From now on, when I choose any provider, I will find out about the name of the company that manages their collection. As luck would have it, ING works with Contentia; this company is a scam (it only has to see the opinions concerning them). It means everything; a box that uses a scam box is necessarily scammer too ... Say they are concerned about customer quality but also know that from now on when calling the bank, it does not act of employees of ING but again of an outsourcing company used by ING! !! Regrettable and yet I was there for over 5 years and I was satisfied with their services before but it has changed! Seriously today, there are so many highly competitive banks that we should not deprive ourselves, especially if it is to escape ING
In case of theft of the card, we must first wait for the amounts to be debited before being able to make a "dispute" (while the law specifies that the refund must be immediate) Then if the thief has used your code number, the law provides for a deductible of 50 euros. Ing does not care and refuses any reimbursement on the pretext of negligence. This although the case law is formal (it is up to Ing to prove negligence). Moreover Ing does not send you any notification of the refusal, which appears during a connection. You then have to make a "complaint", the response time of which is unknown (it would be one month). Ing has no messaging or email, everything must be done ... by post!
As a client from the start, I think ING is far behind the competition now: Fortuneo or Boursorama in mind, whether for prices, features and services. Pity... The worst for me, Impossible to exchange with them by email! Too bad for an online bank ... especially when you want an engaging response from the bank and not just blah on the phone by an advisor.
Big open building with a lot of light and conveniently located in Bercy. There is a nice restaurant, but also some shops and bars. It's not only ING that resides here. Security makes sure no unwanted entries occur. The office floors are spacious and light. From the balcony you can see the Eiffeltower and manh other famous buildings.
Outrageous ... Deplorable customer service. Opening an account very easy but then for the closing a test, recommend not received, deduction of the cost of the credit card which continues over several months ... No consideration on the phone, this is not an important case like an account opening or a placement, here is the answer of my interlocutor ... To really flee! It is best to negotiate your fees with your physical bank and have consideration, advice and answers if there is a problem.
Client for almost 3 years, weaving at the start (online banking ect ..) Very good surprise for my part, very responsive, adviser quickly reachable, no hidden costs .. I recommend !
The customer service is really not up to date. I have always been satisfied, but in recent months this is no longer the case. I asked to set up a temporary cap for a withdrawal because I needed cash for a purchase abroad. After calling at least 5 times I was not given an answer, I was always told the same thing: we will make a request and after nothing. I found myself without money. And very angry after ING
I have been an ING customer for 9 years and I am very happy with it. I had my bag stolen in Asia and they sent me a new card in less than 48 hours. Customer service is always easy to reach, competent and friendly advisers. And the free GoldMastercard is very useful to me during my travels.
Catastrophic !! I asked for the closure of my account. ING live closed by keeping the money !! Customer service that is useless, a wall. Go to a classic bank, flee direct ing
Unable to access my accounts because lost identifiers and they have an old postal address on which they continue to send me my statements ... I sent a letter to the address indicated and with the requested documents but no response and mail sent several months ago ...! An online bank that has no digital solution to help its customers ...? I have another idea of customer relations even with digital services. I just chose digital because I changed my address often at that time, but obviously this speaker is not to be recommended or selected: I therefore have only one tip: FUYEZ !!! to the wise
Release of funds during a cash purchase of real estate, and certificate of transfer to justify the source of funds received very late despite my instructions and the costs incurred .. Average customer service, and catastrophic back office, it does not follow. Sorry, but I'll close my orange booklet, and look elsewhere as soon as possible.
I am not satisfied with the answers provided by the ING customer service, called several times in recent weeks. Neither on the substance: the answers are not clear, nor on the form: the last contact was very discourteous and does not come from a customer service worthy of the name. No response to the online complaint form. I therefore agree at this stage with the comments made here.
Excellent bank! Very easy to reach them by phone with very long hours. Free bank card. If someone tries to defraud your credit card they are super reactive! In the top !
Unquestionably the worst online bank including a litigation file remained unanswered for more than 3 months following a fraud by credit card. Following your answer of 20.03.2019 I did not receive an answer to my challenge file. I had 5 counselors who promised me an answer in 15 days and this for more than 3 months! I do not recommend using your credit card at ING, there is no guarantee if you make a bad purchase on the Internet.
ING Direct when we need nothing we can ask them everything, we will have a great feeling of satisfaction. But the days when your CB is stolen and that for 1 month and a half it is not fucked up to send you one, you thank heaven for not counting on this bank. And when you have an identity theft and checks are made in your name that the deposit at the prefecture confirms, the merchants have canceled the billing they make you a file of bank of France for 1 month which jeopardizes my two companies for 400 damn euros incompetent services and advisers who never say the same information. 1/10
Client for 5 years. Website rather well made to carry out its transactions. Customer service unable to return a call, can only receive calls. Avoid if you want a customer service up to par.
Client for 17 years. Very satisfied. 0 fees for my gold and a very lucrative mandate management life insurance. For the dissatisfied, I remind you that with any bank, you have to make the right decisions yourself by making the effort to acquire solid financial knowledge.
A very good bank originally, but losing momentum in the face of online competition. The account management tools no longer work and are not repaired. It is no longer even possible to properly download transactions to manage your account with third-party tools.
TO FLEE!!!! Their app buggy all the time, their site too and if you want to download statements of account (impossible because "an error has occurred" "is indicated permanently, for 3 months), when you call the customer service (which is in made a proxy, not live), they tell you they will send it to you by mail !!!! and that they can not send mails ... remember that it is an online bank !!!
Terrible service, at home since 2007! When you need nothing, everything is fine (like everywhere). However after it is nothing! A GALLERY to recover your due. To flee
Have you invoice an account certificate with the mention date of opening of the account 30 I call it steals, the person on the phone had no arguments to justify me this price slogan of ing "it's good to decide" your reason decide to be robbed avoid this bank if possible
MONEY NOT AVAILABLE / INADMISSIBLE DELAYS Client for several years, I regularly make transfers from my ING savings account to my current account of a physical bank. Overnight, I connect, and impossible to make an external transfer. All my external accounts have been deleted. So I send a complaint email and 2 days later having no response, I call them. ING RESPONSE: 1 MONTH TIME LIMIT TO RESPOND TO A CLAIM EMAIL. In addition, THIS IS A MISTAKE FROM ING (no excuse) AND I MUST SEND A MAIL TO MAKE A TRANSFER TO MY EXTERNAL ACCOUNT (practical for an online bank, especially since it is responsible for his error ....) 2 WEEKS AFTER: THE MAIL IS WELL RECEIVED BUT ALWAYS NOT PROCESSED BY THEIR SERVICE !!!!!!!!!!!!!!!!!!!!!!!!!!!!!! AFTER 2 DAYS AND SEVERAL TELEPHONE CALLS, IT WAS NECESSARY TO SHOUT AND TALK TO THE "MANAGEMENT" TO OBTAIN THAT MY ACCOUNT IS REGISTERED AND THAT I CAN MAKE A TRANSFER !!!!!!!!!!!!!!! FINALLY: + 2 WEEKS FOR A SINGLE TRANSFER, NO EXCUSES, NO EXPLANATIONS. RUN AWAY !!!! THEY RECRUIT NEW CUSTOMERS BUT CANNOT MANAGE THEIR PORTFOLIO OF EXISTING CUSTOMERS. NO JURISDICTION !!! AN ABERRATION !!
The story of an incompetent bank: September 3, two bank withdrawals fraudulently done on my credit card for a total of 560 euros. Opposition on my card made 15min after I realized the theft of my CB by a pickpocket. Dispute transactions after the amounts debited to my account (2 days later) as requested by ING DIRECT customer service after having called them in panic on the day of the flight. I am then asked for several documents to put on line on my ING direct account: something that I do directly. 1 week later, no return. I remind ING Direct, I am told that everything is well received, the treatment may take another fortnight. Okay. 15 days later still nothing, I remind ING Direct, I am told to return the minutes. OKAY. I remember to confirm that the minutes are online, everything is OK. 1 week later, no return. I remind ING Direct to ask where the file is. Fuzzy answer: "I will contact the fraud department to ask them where it is and I will call you under max 48h". 72h later, no return, no call. I call ING Direct to tell them that I have to be called back and asked again where my file is. The same fuzzy answer: "I will put forward your file to see what it is and I will contact you again". A few days later, no return, no contact, NOTHING, ONCE ONCE. I remind, STILL, I am told that my report is not complete, there are no sheets. OKAY. I put it online, complete, I remember, I'm confirmed that it's OK. Several days go by again, it is the 19th of October, more than 1 month and a half after the protest. I am now asked to DRAKE MAKE a report because it does not mention the last use of my CB in the current minutes. This bank is a BLAGUE. No file tracking, speeches that go in all directions. Nobody knows how to treat a problem. Deadlines are not respected. You even dare to ask me if I want to open a booklet during that time ... A HUGE BLAGUE. Your file processing and customer service is clearly rotten. I do not recommend your bank at all. I wish all current direct ING users to never have any worries with their credit card, otherwise too bad for you. And to non-ING Direct customers not to do the same silly thing as me by subscribing to an online account. Thank you for your non-professionalism. Regards,
Following my request concerning the technical problem on your site: 1. Can not read my current operation, 2. can not read blue card tracking, 3. impossible to access as your operator told me that I could access a checkbook request, 4. Unable to download my statements, and any other online transaction 5. this is not tolerable for my management of my money, 6. this has lasted for more than fifteen days, 7. without urgent action on your part, I will be obliged by mail or other means to close my accounts.
You will easily understand that I can absolutely not continue under these conditions I will be obliged to close my accounts.
False advertising ! Welcome offer of 80 indicated on the website when opening my account. But never received because suspended because of confinement. Whatever !!!
No serious in this bank run away Me it's been 2 months since I no longer have access to the details of my operations of my bank accounts. The advisers do not care I had to file a complaint with the police station A shame....
Worst of all banks, absolutely to be avoided. They are unable to change my address and they subsequently blocked my account for 5 months. And it takes more than 3 weeks to close the account, and it hasn't been done yet. Every other bank is better!
This is theworst banking service I have ever experienced. For 13 days I was trying to open a bank account. Obviously, despite sending job contract, recent payslip, 2 pieces of id, proof of residency (proof of airbnb AND the signed proof of residence issued by my landlord) the documents have not been strong enough for the bank. Furthermore, instead of sending a refusal of opening a bank account (which would give me the right to apply to the state to make it mandatory for one bank to open an account for me), they are just sending another request of stronger documents. This is sick. Especially that ING in my country is considered as a pretty good institution. Here the French logic has its impact. No need to mention that at the call center they don't speak English.
Lamentable 3 months to open a current account must be restarted all the time otherwise we leave you without news and it's still not finished. I strongly advise against !!
Bank not very interesting, has advantages that if the wallet is full, normal this is when the bank will fill its pockets by speculating with the money of others, non-existent solution to life's problems current, threat of fees or other these are the innovative proposals of ing, conclusion zero bank to avoid knows how to attract the customer but gloom once a customer, see elsewhere ...
A personal loan request has been made, no negative or positive response given, really zero bank, no interest in this bank, dear new customers go to another bank.
It is already much too complicated to register and open a joint account online: "bug" and "technical problem" messages that make it impossible to complete the procedure on the internet, an hour spent on the phone with the hotline. who does not arrive either ... in short we will receive the contract to be validated by mail ... it starts well for an online bank, you make us dream!
zero point! impossible to close a simple savings book orange ... with 10 euros on it, I am asked a LRAR ..... (to note: the law specifies that a simple letter is enough) ...... apparently they do not need customers ......
An online bank to avoid, my deceased father who had a life insurance account, I am desperately waiting for the transfer to settle the inheritance tax which must be settled quickly, in short, crooks to avoid who in addition allow themselves to speak badly to the having right, I will share my experience on social networks and act accordingly with Mr Courbet, Lucet etc ..... But how can you give me an answer by telling me to go through social networks like Facebook or Twitter we walk on the head there
Following my account closure request on 07/10/2020, ING still does not want to return the money frozen to my ING account during the COVID period. Thief Bank !! each counselor on the phone tells me a different story. I had to file a complaint and pay a lawyer to deal with the situation.
I STRONGLY ADVISE THIS BANK !!!!!!!!
Thanks to the representatives for intervening !!! MRS Oussou HEAD MRS Catharina VAN GENNIP MRS Anne-Sophie CASTELNAU
for 7 years in this online bank. only positive for me I had the opportunity to test their customer service: no problem! everything was resolved quickly. so many negative opinions surprise me but everything depends on the situation of each, the level of expectation of a service and sometimes bad luck ...
Total amateurism. They did not record my departure dates abroad in writing and over the phone. My account was blocked while I was in the depths of Indonesia: I could only do one meal a day, I slept on the beach in Borneo and I could not buy a flight planned domestic delivery in due time. The problem took 5 days to settle. BANK TO FUIR.
ING is no longer "direct" and for good reason: a bug prevents the consultation of its accounts since about 2 months. The customer service does not lack goodwill, when sometimes we get to have a contact, but seems as lost as the customers. Finally, since ING has made the choice of modernity, customer service is only telephone. For the mail we will probably wait 2050. Free access has its limits and ING has become a low cost bank, unless it is sinking. It's a shame it was good at first.
Rather hopless when it comes to customer service. Fewer functionalities available in their online system than were offered by my Polish online banks over 10 years ago! If I still did not change move elsewhere, it's because there are no modern online banks in France.
On 19/12/2017, we receive my spouse and I the email confirmation of the production of our new Gold cards.
On 12/29/2017 we move, we report our change of address on 12/30.
On 06/01/18 we receive an SMS confirming the dispatch of our new cards for our respective current accounts + our joint account.
More than 10 days later, still nothing received ... We call for the first time. The counselor is unable to tell us what happened, she simply invites us to object, to wait to be billed and to call back to get reimbursed (we only have that to do ...).
We call back two days later to be sure ... the consultant begins by telling us that the cards were in fact shipped on December 19 ... So I asked her why we still hadn't received them on December 29 at the old address and why we received a shipping confirmation on 06/01. She puts me on hold, at least 10 minutes. She ends up taking me back by telling me that in fact the email of 19/12 and the sms of 06/01 are computer errors and that our cards are still in production, that we will receive them in the following days. .
We remember yesterday evening, 25/01. A new adviser who after 5 good minutes of waiting and new checks tells us again that we have to object, that for billing he can do nothing, that despite the change the cards are probably gone to the old address. .. and therefore that we will have to call back in all cases (again) to be reimbursed ...
I already took 3 months to obtain a functional card when opening my current account last year. Sending errors and non-functional serial cards received. They return cards to me urgently, apologizing, completely forgetting to specify that I was going to charge me 70 euros for this return to my current account + 70 euros to my joint account ... So when this time I get a send again in an emergency, once again omitting to specify the invoicing (fortunately knowing it now, I refused), it is too much!
Without counting the time of appearance of our banking operations on the application ... Payments made with the joint account on 19 and 20/01 are still not visible on 26/01 ...
It is unacceptable. ING has just lost, 2 current accounts, 1 LDD, 2 orange books and a securities account.
The time to transfer all our operations and all accounts will be closed in less than 3 months.
1 online bank that does not even allow you to send an email or chat directly with an advisor, WTF ??
I wish courage to ING customers, provided everything is going well for you because in case of concern, do not expect to get clear information and useful help!
Very bad experience with this online bank. It took a very long time to open my account because they lost my file, then several elements of it .. it was a sign that I should have taken more seriously ... last year, when I was on a trip to Latin America, and had a significant amount of money stolen online. I reacted immediately to block my card and my account. However, I am still in battle with ING for it to reimburse me .. 1 year and a half after the fact .. it's nonsense !! avoid this bank !! I do not recommend at all !!!
Horrible bank, to flee, I will close all my accounts. Think they are the CIA to identify you in the name supposedly of my security (you are the threshold which does so for nothing), not to mention the atrocious customer service. Do not go there otherwise you will regret it. I wanted to put 0 but not possible. And the additions of foreign accounts don't bother to count, it takes at least 2 weeks never seen before, mdrrr
Following my account closure request made in October in RAR nothing is done ...! Follow-up several times by phone as well as by email Incompetent customer service, to flee!
One week that I wait for the release of my golden premium card I don't know what .... just that a gugus clicks on a button! Because of ING you can find yourself in unpleasant situations.
You earn a modest salary, your current account opening file will be rejected. better not hope is to go see the competition. ING is interested in the "comfortably" middle class or even more.
Loyal customer for many years. I have been promoting this bank for a long time to my friends. What regret today to have embarked on this mess. Today it is a disaster, the bank is unreachable (more than 100 attempted calls per day without success). Their laxity will cause them to lose a loyal customer, and I don't think I'm the only one. Too bad and good luck
Unable to close an account despite my requests. This bank is allowed to charge fees "condition of use" without authorization. A joke, I do not recommend.
Home insurance is not considered a proof of residence! Lamentable. I am refused the opening of an account (without even thinking of notifying me) because my proof is considered invalid. While elsewhere, it is accepted everywhere. Whatever. In the end you lose customers.
Unable to change my address online because I forgot my code, suddenly on the phone they ask for my signature in writing, the answer is that it does not correspond (!) To that of opening the contract, on the phone they do not 'can no longer identify me because let's say' an info is wrong 'but refuse to tell me what it is, reluctant to return certificates by courier as it is me, etc. In addition the account is almost empty, and all this in full Covid. A real bureaucratic good for a bank that calls itself modern, and which does not even have a single physical agency in a city like Paris! very disapointed
Customer service on the cold and unwelcome phone. I called them to get a proposal to buy a home loan, but given the exchange I had on the phone with a contact, we wonder if it's a bank that wants customers. Or maybe it subcontracts the customer relations service to a company that badly manages customer relations ...
I have been a customer for several years and I was very satisfied until now.
But ING, after reimbursing me for a fraudulent debit in JUNE, debited me without my consent for the sum of 600 euros on the pretext that the merchant linked to this fraud had said that I was indeed originally out of c is totally wrong !!!
I have made complaints, calls and recommended and I have now had no return for over a month and a half !!!!
IT'S SCANDALOUS ! They are thieves and incompetent to flee
I contacted my customer service for a simple increase in the payment limit of my card. The operator took 35 minutes to register my request and send it to the relevant department (I was told that I must be comprehensive because it is starting). Now I am waiting for a call back within 2 hours. I am therefore stuck at the Europcar agency which confirms to me that they have never seen this, such a delay for a request which usually takes 15 minutes at most. I am very disappointed with the last contacts with ING. I specify that my balances are sufficient And at the start, however, I was told that I could do it directly online! So much wasted time and stress before hitting the road for a long trip. I will therefore prospect to find a more responsive bank that listens to its customers
I only put one star because you can't put zero. They are unable to verify the identity of their customers and therefore condone identity theft. It is impossible to reach them and they do not even respond to the Banque de France. Neither politeness nor competence.