bismIllah...Aku nak mengamuk hari ni. So kalau aku menyumpah-nyumpah and mencarut-carut tu sila jangan nak terasa terganggu. Kalau tak suka orang mencarut, leh klik 'X'.
Pernah dengar tentang AIA-Eonbank Insurance scheme?
Sape-sape yang takde kad kredit Eonbank maybe tak pernah dengar.
Sebab tu aku nak tulis kat blog supaya nanti orang google-google akan jumpa blog aku ni. Ni aku bukan nak tunjuk kebodohan aku yang 'terkena' (ade jugak la sikit-sikit. kahkahkah) tapi untuk rujukan orang lain sebelum terkena. :P
Kesnya begini:
Someone from AIA will call your phone dan offer untuk amik insurans ngan diorang. Simple je bendanya, diorang akan deduct payment from credit card selama berapa tahun yang kita setuju. Insurans punyer policy takyah tanya aku cos sampai ke sudah aku tak dapat-dapat. Macam celaka ok. Dahle masa 1st time tefon tu dalam kereta so dengar-dengar gitu jela. Aku ni pun bangang pergi setuju kena deduct RM75 setiap bulan selama.. ntah tak ingat. 9 tahun kot.
Aku tak ingat cos call yang aku terima tu was last year! DECEMBER 2010 ok! Aku agree pun cos setakat RM75 sebulan tu ok jela... ade coverage itu ini (dah lupe actually)
Dia kata dalam masa 30 hari aku akan dapat policy contract. Ok, xpe... tunggu jela...
Selain dari sebab tu, aku google Internet tak jumpa lak ape-ape info tentang collaboration AIA and Eonbank ni. Yela, nak check la ape kebenda yang aku sign up tapi TOTALLY NADA. Nothing in the Internet... (aku check masa Januari 2011)
Tup-tup, 1st February aku kena charged RM75 pada kad kredit. Siot jer... dengan ape-ape policy takde, tetiba caj aku. Ok, takpe. Ni sebab aku agree on the phone tu ke? cilake punyer Coco (nama orang yang call aku tu). Ko kata nak pos policy, ni ape kes aku tak dapat2 lagi ni???
So, ape lagi, bermula la emel-emel ngan pihak AIA. Kalau korang bace, mesti korang tau betapa panasnye hati aku.. wei, RM75 tu DUIT jugak wei! Sesuka hati nak caj aku tapi dokumen tak bagi ape kes??
nak call, asyik la busy je manjang. So nak senang aku EMEL.
This is the 1st email I sent them:
hi, My name is NOR RAIHANA and my mobile number is 012-xxx xxxx This is the 2nd time i'm emailing you so I hope there will be a reply via email. I received a call from one of your agent named Coco from 03-2036 6888 on 24th December 2010. He called me because I am one of Eonbank's credit card holders and there was some kind of promotion for insurance in collaboration with AIA.
To cut the story short, I agreed to be charged RM75 a month for 9 years. And my credit card was charged for the first time on 1st Feb 2011. I was surprised to be charged when I haven't received any documents or policy to give me better understanding on what I signed up for. The call on 24th Dec was all I received and explained on. Of course I want a hardcopy/policy mailed to me for better reference. So I emailed you to ask about it.
Few days after that, I received a call by someone (from AIA) asking me whether I was charged or not and I said yes. But I was a bit angry on WHY HAVEN'T I received any doc/policy?? Then, he told me I will received the policy/hardcopy doc in 30 days time from the date I was charged. Today is already the 7th of March 2011 but I still haven't received anything. U have charged me, so please let me know the details. That's all I'm asking for. I just want to know this is not a scam, and it's legit!
I wish I can check in your website about what I have agreed to be charged on but I don't even have my copy of policy! No policy number, no policy name! Just the info that it's something to do with Eonbank's credit card holder. I have a recorded conversation with your agent on 24th Dec 2010 and I will take action if there is still no news from you. That was all the information I know about this 'insurance'.
If contacting me is too much trouble, I want to cancel everything and I want a refund on what you have charged me. Attached is the copy of credit card statement, a proof that you have charged me on the 1st Feb. SO PLEASE REPLY THIS EMAIL ASAP.
Email and a telephone call is appreciated. I want a feedback email for my reference. Thank you
Regards,
NOR RAIHANA BINTI MOHD RASHID
XX, XXXXXXX, XXXXXXXXXXXX
32200 LUMUT, PERAK.Ni reply-reply dari mereka:
From: my, corporate-ops
Sent: Tuesday, March 08, 2011 8:56 AM
To: my, corporate-creditlife
Cc: sakura_anna@hotmail.com
Subject: FW: AIA KL Credit Life
Dear Credit Life,
For your kind attention and action
Regards
Customer Relations Unit
From:XXXXXXXXXXXXXXXXXXXXXXX
Sent: Tuesday, March 08, 2011 9:23 AM
To:XXXXXXXXXXXXXXXX
Cc: sakura_anna@hotmail.com
Subject: RE: AIA KL Credit Life
Dear ROP team,
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX <---policy no. (aku delete la b4 publish kat blog)
Kindly assit and re-send policy contract as policyholder has yet to receive
Please send to same address
Regards
American International Assurance Bhd.
From: XXXXXX@aia.com
To: XXXXXXXXXXXXXXXXXXXXXXXX
CC: sakura_anna@hotmail.com
Date: Tue, 8 Mar 2011 18:23:01 +0800
Subject: RE: AIA KL Credit Life
Dear XXXX,
Kindly assist. Thanks.
Ok. So aku tengok macam ada progress la kan? Depa dok mintak orang hantar/pos poliocy kat aku. Ok takpe... kita tunggu.
Sekali lagi tup tup aku dapat seprais!
AKU KENA CAJ DOUBLE pada bulan MArch! BABI tol laaa... mencarut-carut aku masa tengok statement.
Emel lagiiiii...
To whom it may concern,
Kindly enlighten me on why I was charged TWICE for the month of March? (refer attached photo)
Thank you
Nor Raihana012-XXX XXXXOkay... emel di atas ni TAKDE REPLY.
AKU EMEL LAGIIIII.... kali ni aku letak subject 'PLS REPLY ASAP'
Dear Sir,THIS IS A RESEND EMAIL.
PLS GIVE A FEEDBACK AS THIS IS NOT THE FIRST TIME YOU DID NOT RESPOND TO MY COMPLAINTS AND EMAILS! I HAVE YET TO RECEIVE A POLICY CONTRACT FROM YOU (DOES IT TAKE A MONTH TO POST A DOCUMENT FROM KL TO PERAK???)
AND I WAS CHARGED TWICE IN MY MARCH CREDIT CARD STATEMENT!
I WOULD APPRECIATE A TELEPHONE CALL FROM ONE OF YOUR REPRESENTATIVE!
RAIHANADiorang balas:
From: my, corporate-ops
Sent: Monday, March 28, 2011 2:04 PM
To: XXXXXXXXXXXXXXX
Cc: raihana rashid
Subject: RE: PLS REPLY ASAP- AIA KL Credit Life- Double charge for March?
Dear Credit Life,
For your Urgent attention and Action.
Regards
Customer Relations Unit
From: XXXXXXXXXXXXXXXXXXXX
To: XXXXXXXXXXXXXXXXXXXXXXXXX
CC: sakura_anna@hotmail.com; XXXXXXXXXXXXX
Date: Mon, 28 Mar 2011 14:17:30 +0800
Subject: RE: PLS REPLY ASAP- AIA KL Credit Life- Double charge for March?
Dear team,
Please assist
Regards
XXX
Tolak sana, tolak sini... takde sape pun nak call aku untuk explain!
Ape lagi, EMELLLLL!
Dear XXX and the team,
Please arrange for the cancellation of whatever it is you're charging me.
I want a refund of the charges you did without my consent. read: you did not send me any doc/policy after the 1st email i sent (refer the bottom of this email) and nobody tried to reply my previous email.
I need to send several times then only you take some actions?? Your service sucks, you're causing me headache and too much trouble and I don't want to have anything to do with your company anymore. Please refund everything or at least the double charges u did on March!
This is the first time I was treated like this by a company with such big name. Such shame.
Thanks in advance.Emel ni takde reply.
Aku risau diorang tak terminate je policy aku ni. Kang dok caj lagi! So, lepas emel benda alah di atas, aku pun PRINT semua emel-emel antara aku dan mereka. YA, SILA PRINT.
Aku kumpul semua dan POS ke alamat diorang kat Menara AIA KL dengan ATTENTION to MANAGER (bahagian Customer Relations). Settle satu benda.
Aku pos pada 1 April then seminggu lepas tu dapat reply VIA POST (boleh plak ko pos?? sampai je kat umah aku????)
Kena pos bagai baru ko took actions!
Sekali kau, bulan April pun tiba and bila aku check statement kad kredit, AKU KENA CAJ LAGI!!! babi betul. cilaka! cam gampang ok!
Padahal sebelum tu AIA dah call kata nak cancel/terminate. Email pun dapat. Tapi kenapa caj lagi? Sebab sistem?? tak efisyen betul la korang ni!!!
Ni emel lepas aku pos segala mak nenek and COMPLAINT.
From: XXXXXXXXXXXXXXXX
To: sakura_anna@hotmail.com
CC: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Date: Wed, 20 Apr 2011 12:02:24 +0800
Subject: RE: PLS REPLY ASAP- AIA KL Credit Life- Double charge for March?
Dear Cik Raihana,
As spoken to you this morning.
We will terminate the policy with full refund by May 2011 to your Bank Credit card.
Woud apologize for any inconvenience caused.
Regards
XXXXXXXXXXXXXXXXXXXXXXXX
Corporate Solutions Department
American International Assurance Bhd.
So, bila aku kena caj lagi pada bulan April, ape lagi... MENGAMUK!!! (yer, aku memang kuat mengamuk. But so would you if this happen to u kan???)
DEAR XXX,PLEASE MAKE SURE I WILL GET MY MONEY BACK BY MAY 2011 (NOT JUNE!) AS I AM PISSED AGAIN TO FIND OUT THAT YOU STILL CHARGED ME FOR APRIL!PLEASE REFER ATTACHED PHOTOI WONDER, HOW DO YOU OPERATE? ALL MY COMPLAINTS WENT DOWN THE DRAIN, WAS IT? NO ACTIONS WERE TAKEN, NOTHING! WHAT KIND OF CUSTOMER SERVICE IS THIS? NOT TO MENTION HOW LONG I HAVE TO WAIT WHENEVER I WANT TO PHONE MY COMPLAINT! WHICH WAS WHY I HAVE TO EMAIL YOU GUYS...I THOUGHT YOU WOULD NOT CHARGE ME AFTER ALL MY EMAILS BUT TODAY WHEN I CHECK MY UNSTATEMENTED TRANSACTION, THERE YOU GO AGAIN... ANOTHER BLOODY AIA CREDIT LIFE CHARGE ON 20TH APRIL!! WTF????NOT TO MENTION ABOUT THE 'SO CALLED POSTAGE' OF MY POLICY CONTRACT THAT I HAVEN'T RECEIVED UNTIL TODAY! (IF IT'S TRUE THAT YOU GUYS ACT WHEN I COMPLAINED IN THE PREVIOUS POST, I WOULD'VE GOTTEN IN BY NOW)YOU GUYS SUCK BIG TIME. I'M AMAZED THAT A BIG COMPANY SUCH AS AIA HAS VERY SLOW AND VERY UNSATISFACTORY CUSTOMER SERVICE.IF I STILL HAVEN'T GOT MY MONEY BACK BY MAY 2011 (ALL RM300 OF IT---LET'S NOT HOPE THERE'LL BE CHARGES ON MAY!), I WILL MAKE SURE NONE OF MY RELATIVES WILL TAKE INSURANCE FROM AIA, THAT'S FOR SURE! (AND MY BLOG READERS TOO)THANK YOU IN ADVANCE.And now is the 6th of June.
Aku masih tak dapat refund.
Tadi XXX tu call aku lepas aku emel and dia kata akan dapat refund by JULAI pulak.
CELAKA!! bengang betul aku tapi nak tak nak kena tunggu jugak arrr... babi!
Sape-sape yang terkena tu (aku tau ada cos kat twitter tadi macam ada yang kena jugak je... heheheh), buat macam aku buat. POS je komplen korang tu kat Manager. Ade kat laman web AIA. Selagi tak dapat policy kita dah terminat in black and white, selagi tu kena caj kot?
Fight for your rights, dude!
Nak jadi citer, last week aku dapat call dari sorang minah dari AIA nak offer aku benda ni. HELLO!!! aku dah pernah sign up ok! So tak pasal-pasal minah tu kena sembur ngan aku. Tergagap-gagap bila aku tanya itu ini. Wakakakaka...
So korang, sekarang ni musim diorang nak call orang. My advise is, JANGAN ACCEPT!
Nak insurans sila pergi Prudential... ramai orang rekemen Prudential.
Sekian. (xde la banyak mencarut sangat kan?)
Salam....
alhamdulIllah...
Kena pos bagai baru ko took actions!
