More than 400 graduates were inexplicably opened with multiple bank cards.
School response: Never leaked student information.
Ms. Wang, a graduate of Chongzuo Kindergarten Teachers College in 2020, said that they all entered the school on 20 17. Recently, some students went to the Agricultural Bank of China to handle ETC or provident fund accounts after graduation, and found that there were already cards that could not be handled, only to find that there were several bank cards of the Agricultural Bank of China under their names. When asked in the graduation group, everyone went to inquire and found that almost everyone had it.
Ms. Wang said, "The card processing time is June 24, 2020. We graduated on June 30, 2020, but I had no knowledge, no authorization and no idea. Seven of them are the second and third electronic accounts opened by Chongzuo Jiangzhou Sub-branch. The bank said that it has cooperated with the school. "
In response, Chongzuo Preschool Teachers College responded: "The school did not disclose the identity information of students through any channels, nor did it open a bank account on behalf of students. Please ask the parties to defend their rights through legal channels. "
School reaction
A teacher from the finance department of Chongzuo Kindergarten said in an interview with the media that these students entered the school in 20 17 years, and the school did not cooperate with the Agricultural Bank after 20 18 years. The school just found the current problem and asked the bank to give an explanation and solve the problem.
Agricultural Bank of China responded: due to irregular operation, serious accountability.
Chongzuo Branch of Agricultural Bank of China responded by admitting the mistake and apologizing to the affected students.
Chongzuo Sub-branch said: "After verification, this matter is indeed caused by insufficient communication between the business office of Jiangzhou Sub-branch under our jurisdiction and customers, lax internal audit and irregular operation. Chongzuo Branch promises never to shirk its responsibilities, get in touch with the relevant students one by one as soon as possible, cancel the opened accounts with their consent, apologize to the relevant students and resolutely safeguard their legitimate rights and interests. At the same time, internal management will be strengthened, process loopholes will be plugged, compliance operation will be ensured, and the responsibilities of relevant responsible persons will be seriously investigated according to rules and regulations. "
Bank response
An industry insider who works in other banks said that the reason for handling Class II and Class III cards is that customers already have Class I cards in banks, and the functions of Class II and Class III cards are limited. Among them, the daily transaction limit of the second card is 6.5438+0 million yuan, the annual cumulative transaction limit is 200,000 yuan, and the account balance of the third card cannot exceed 2,000 yuan. Having a first-class card means that all personal information is obtained by the bank, and the staff of Chongzuo Jiangzhou Sub-branch can directly open a second-class or third-class card online in violation of regulations. There must be something wrong with the bank's audit process.
Lawyer: Get a card without the students' knowledge.
Banks should bear legal responsibility.
Zhao Liangshan, a public interest lawyer, believes that banks should bear legal responsibility for handling bank cards for students without their knowledge, because according to the regulations of real-name registration system on personal deposit accounts, "financial institutions are not allowed to open personal deposit accounts for them without showing their identity documents or fraudulently using the names on their identity documents." If a student handles a bank card with no information in the bank, the bank staff may also be investigated for criminal responsibility.
Related Q&A: How to find out which branch your bank card is handled in? If it is a card (savings card) of China Merchants Bank, there are several ways to query the bank: 1. After logging in to mobile banking, click on the home page-My Customer Service (headset logo) in the upper right corner, then click "Bank Inquiry" to enter the page, select the card number to be inquired, and you will see the bank (if you are not logged in to mobile banking, you can directly enter the card number to inquire about the bank in this interface), or click on the message bar in the upper right corner of the home page of mobile banking to enter, select my customer service, enter the one-card bank, pop up the bank inquiry link, and enter the card number to inquire; 2. Log in to the online banking public edition, and click "Account Management → More Inquiry → One Card Account Opening Information" to inquire about the account opening bank; 3. Log in to the online banking professional edition (UKEY) and click "One Card → Account Management → Card Management → Bank Information Inquiry" to view the bank; 4. On the top right of the homepage of China Merchants Bank, select Online Customer Service-Personal Bank and enter the one-card bank for inquiry. A bank query link will pop up, and you can query by entering the card number. If it is a credit card, there is no specific bank for CMB credit card. If you need to write the bank when transferring money and remittance, you can fill in the name of any branch of China Merchants Bank (such as the business department of China Merchants Bank Shanghai Branch). (Response time: April 6, 2023. Please refer to the latest business changes announced by China Merchants Bank in official website. )