Are you gonna sue them? What will you get out of that? Because the fact that banks do this means Taiwan in general is xenophobic. It’s the culture here no matter what @anon24369109 keeps telling me about how non-discriminatory everything is lol. I feel like nothing will change with how they do things even if you complain.
I’ve been refused banking for having too many nationalities and not giving enough details about each one. So I don’t have a bank account.
You have no idea…
Whenever I wanted something such a credit card etc I just take them to the FSC. If they don’t renege (which most will). I will then take them to the ombudsman and the bank will get a fine.
The reason I didn’t bother pursuing Koko bank further. (Which I will do soon…) Is because I don’t need their services. I am more interested in credit cards for example I forced Esun bank to change their policy and right now I have taken MegaBank to the ombudsman and it is being processed.
Then you clearly have no idea about the local laws…
What I meant is not that this bank won’t change. What I meant was that OTHER banks won’t follow suit. And the government is unlikely to investigate each one of its own imperative. This is in contrast to the way the US works (again, I think) because the US actively pursues investigations and does internal bank audits of policies afaik.
That’s nice. How high is the fee?
This wouldn’t happen in a place like Singapore. I really can’t believe how backwards it is here. A face of shock wouldn’t do justice to how stunned I am to learn that you went through this experience.
oh my man, I already fought and won several battles here. This is my industry, I know the rules better than most “”“Professionals”“” in the banking sector here.
Complaints won’t work unless u don’t complain for the right thing citing the right rule they r breaching and complaining to the right agencies.
I have defeated HSBC here and their rules have changed, I have defeated Esun, I have defeated Shin Kong. They all gave me what I wanted becoz I was qualified for that and they just gave me the waiguoren meibanfa BS. I gave them the institutional finger to shave up their bums and got my prize.
If the complaint couldn’t force a change… Esun would not have change their policy, neither would have Cathay, Fubon etc with their cards
Also @Mataiou forced a change with HSBC they updated all of their forms etc to not require a guarantor. I just applied for a card with them to test out their new policy. They called me yesterday to just confirm I submitted the application
here u don’t sue, u send a financial consumer complaint, it’s free and all online, also in English.
Amazing. Solute to that.
But did they do that because you complained about another bank and they got a whiff of the results?
Nice. 
No. Esun was my first ever complaint
Okay, so you have to report them all individually? If yes, that must be annoying.
Of course. If you reported them all at once… they would each end up meaningless.
Here FSC complaint or general contact form in ENG:
https://fscmail.fsc.gov.tw/POP30/
Here the Financial ombudsman link:
But it’s an illegal and industry-wide practice, is it not? That’s why I ask.
there is no class action tbh, unless u want to make an administrative appeal against the FSC for dereliction of duty with the Control Yuan, which is something I might look at another time.
One at a time.
It sounds like they’re not doing their job actively unless they’re taken by the scarf and have their noses brought to the problem. Laziness or complacency on FSC’s behalf IMO.
I thought about it actually
absolutely, they r absolute pricks and tools.
I unfortunately am dealing with them for my job, they r some of the worst type of bureaucrats I have ever met (some r nice folks, spoke to a couple decent ones, but all the bosses r just arrogant public servants).
They don’t even know what their legal duties r. Let alone expecting them to do their job, since they don’t know it entirely…
Some 3rd world country stuff there. Well, I wish you win and get them to change. Go full force. I’ve sued banks before and won too, just not in Taiwan.
It an issue with the system in general. All the financial and related regulations are not too bad, it’s just that they don’t know how to apply to foreigners, since for them “foreign migration” is a recent affair and they actually r just developing the concept of equality (slow transition to full democracy). TW (i.e. the ROC) is very much still an ethnostate, so there is a lot of work for equality of non-ethnic residents.
I have lots of things going on now: complaints with Line bank and Rakuten, a human rights appeal against the tax bureau regarding the application of tax residency rules to foreigners (now at competent bureau replies stage, so well underway), a complaint against the renunciation requirement for foreigners naturalising (also for human rights infringement).
That is what I’ve noticed, too. It bugs me a lot because Taiwan claims to be X, Y, and Z, but it’s really so closed off. Don’t claim something if you can’t fulfil the premise.
My suspicions are right then.
Do you think they’ll change the renunciation requirement? Many countries still require one to renounce, but as a purported democracy, Taiwan is def. behind the times.
They need to simply change their government system and stop treating foreigners like asylum seekers or something. That’s a top to down problem.