It would be nice if we can make a list of banks that had wrong policies and how you guys achieved to change them.
As well as banks that still have bad policies and if someone is fighting that.
Edit:
Here https://tw.forumosa.com/t/230997
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U can check the relative renunciation thread, the argument I brought is simple: technically the nationality act is asking already nationals of the state to renounce to their other citizenship to “validate” the naturalisation, while letting other nationals (even NWHOR) to get as many citizenships as they want or getting HHR without compelling them to give up anything. This is a discriminatory treatment against nationals, so under the equality clause of art. 7 of the Constitution (besides other rules like the Immigration act art. 61 and the various covenants and conventions on human rights signed by the ROC whilst still at the UN, so enforceable and law of the law since ratified) it is to be strucked down.
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that would help for sure.
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Line bank just called me after I sent the complaint to the ombudsman since they basic reply was BS as usual.
They said they are working very hard on this, I said well, u should have done this since the beginning, this is just to remind u we r waiting and won’t remain silent.", I asked for a written reply and will see how to go forward with the complaint at the Ombudsman.
No clue on how to force them, I guess the Ombudsman can give them a timeline, need to check.
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It should have all been sorted from the start
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it seems that if I don’t agree with their “solution” I can ask to go to mediation with the FOI and get an enforceable judgement. Like with the consumer mediation.
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well, received replied in writing from Line bank, BS saying they are considering it… Bunch of horseshite, will go into mediation to force them to comply with the law.
Ofc already applied for mediation with the FOI. This is BS.
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Just have to share my experience here! Applied for Taishin’s “RichArt” account on a whim. US/Taiwan Dual citizen. they didn’t approve my online app using Taiwan ID.
I called and they said they don’t give the local account to ppl with US Passports… I said fine, can I have the foreigner account with the English language app?
No… because I have a Taiwan ID card… so what can I do?
Go to Taishin Bank to open a normal account… does it have an app?
Yes… Are RichArt and Taishin essentially the same? Yes…
I really don’t get what the deal is with “online banks” they are using the same banking license as the brick and mortar bank, so its the same bank, just more troublesome?!
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They don’t want to bother with the CRS/FATCA compliance costs.
I had a friend with a US passport who was rejected for the foreigner account too!
Yet… the testimonials (which I think are fake) has an American teacher hahahaha
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Nice!!! Props to you, Sir!
I freaking hate how illogical HSBC is… I actually got in touch with their head of Personal Banking and spent hours on the phone telling her where their service broke down and how no one had a solution or was willing to escalate the problem to get it resolved. She acknowledged ever point I made…
Irony? is that every issue I had here is a non issue with very good service/internet/phone interfaces at HSBC Hong Kong… if only they were somehow able to copy their homework… 
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I don’t spend hours. I spend 5 minutes writing complaints to the FSC/FOI with the help of AI chatbots
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In my limited experience with complaining to the FSC, I found they bounced the complaint to the internal control dept of the bank who immediately marked the item as solved, customer satisfied!.. If you have tips on how to get complaints actually looked into by the FSC and not immediately passed to the bank itself, please share. I would love to know!
In the above case, there was a problem with the logic in their IVR/VAS whatever you want to call it. I diagnosed it for them but they were too afraid to point out the issue to their supervisors. I got fed up and went straight to the top. If the decision makers don’t think it wass a problem, then there would literally be no fixing it. My point in spending hours on the phone with her was to let her know there are customers in Taiwan who have banking experience and don’t accept crappy service and logic loops that keep clients from getting the most standard and basic service that HSBC claims to provide.
Send to the FOI Make a Compliant/Enquire Online-Ombudsman Service-Financial Ombudsman Institution and reference the original FSC complaint.
Then if it happens again… Fill out the FOI form to apply for mediation
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I just submitted the form to the FOI to go to mediation as they requested me to do that (it is the form @comfy123 refers about only in chinese), below you can instead see a copy of the new questions Line bank has to reply within 10 days to the FOI:
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So, I received the reply from the FOI, and it was a bit disappointing, but I do understand their reasoning, see below:
Below the complaint I just lodged to the FSC instead, since the rationale behind FOI refusal to take up the issue is that “it is not a consumer dispute, but a matter of business management and Financial Supervisory enforcement”:
After going through the full complaint procedure with the FOI, they decided this is not a financial consumer dispute, hence outside their purview ex art. 24 sec 2 item 2 of the Financial Consumer Protection Act. Please see attached the FOI decision.
Hence, as your duty under item 9 sec 1 art 3 of the Organic Act Governing the Establishment of the Financial Supervisory Commission, I hereby request your agency to act in accordance with art 12-1 of the Financial Consumer Protection Act for infringements of financial consumer rights ex sec. 1 art. 7 of the same act and compel Line Bank to abide to the laws of the Republic of China and the financial regulations as issued by your Agency.
Barring legal alien residents or citizens born abroad from applying to their services is against the laws and regulations, particularly art. 7 of the Financial Consumer Protection Act (against principles of equality, reciprocity, fairness and reasonableness) and art. 62 of the Immigration Act (discriminatory practice).
As stated by the FOI in their decision in their point 3 of the reasoning, it is a matter of under the"…金融監理機關之主管範疇".
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This is following on from the other thread, but I figured this thread would be more appropriate for discussing the complaint.
Just sent the following e-mail to JKOPay, Richart, and Taishin Bank complaining about foreigners being excluded from stuff. I couldn’t find a definite customer service e-mail for Richart so I just sent it to richart@richart.tw, and I presume that one of the others can pass it on to Richart if they want. 
Dear Sir/Madam,
I am writing in reference to the JKOPay × Richart collaboration currently being held. I am a customer of both JKOPay (account number: *********) and Richart, but when I tried to sign up for this promotion in the JKOPay app I was informed that foreigners residing in Taiwan are not eligible. Please see the attached screenshots.
Article 62 of the Immigration Act prohibits discrimination against people residing in Taiwan on the basis of nationality, race, color, class, or place of birth. Article 7 of the Financial Consumer Protection Act stipulates that financial services enterprises shall act in accordance with the principles of fairness, reasonableness, and equality.
I believe that the decision by JKOPay and Richart/Taishin Bank to exclude foreigners residing in Taiwan from this promotion violates both of these laws, and I will be filing a complaint with the Financial Supervisory Commission if this issue is not fixed to allow the service to be provided in a non-discriminatory, fair, and equal manner.
I am residing in Taiwan legally with an APRC, and I do not see any valid reason why legally resident foreigners such as me should be arbitrarily excluded from such promotions and services. This is especially concerning considering that Richart has been marketing itself as a “foreigner-friendly” bank despite explicitly excluding foreigners from many of its services. For example, to the best of my knowledge, Richart is the only bank in Taiwan that specifically prevents foreigners from using its app. This is categorically not foreigner-friendly – for all of my other bank accounts in Taiwan, including CTBC, Mega Bank, Standard Chartered, and Huanan Bank, foreigners are allowed to use the app, as we should be allowed to as legal residents here and in accordance with Taiwan’s laws regarding discrimination, equality, and fairness as cited above.
Because I am already a customer of JKOPay and Richart and was previously satisfied by the customer service I received, I am in the first case giving the opportunity for your two companies to voluntarily address this unfortunate oversight, but if I have not received a satisfactory response detailing how this will be resolved within 7 working days (Oct. 5) I will be filing a complaint with the FSC, and subsequently the FOI if necessary, as well as encouraging other foreigners residing in Taiwan and affected by this discriminatory policy to do the same.
Thank you in advance for your cooperation and I look forward to hearing from you.
Yours faithfully,
Me
(Uniform ID number: A*********)
So let’s see what BS they come back with.
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Well, at least it hasn’t been completely ignored. I just got a call from Taishin saying they’d received my e-mail, “sorry for make you feel uncomfortable”, and that they’d look into it with the relevant departments and get back to me before October 5 (which means they at least made it to the end of the e-mail 
).
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JKOPay has now passed the baby that smells and needs changing back over to Taishin. Not our problem!
Dear user,
Thank you for your letter. Because the application for 街利存 account is verified by the Taishin International Bank, please contavt with the bank. The following provides you with the contact information of Taishin customer service,
Taishin International Bank customer service hotline: (02)8798-9088
If you have any problem, please do not hestitate to contact us, thank you.
Best regards,
Customer service center, JKO
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I responded to that e-mail, just for fun.
Dear Sir/Madam,
Thank you for your response. I am already in contact with Taishin customer service, as you can see from my original e-mail.
I understand that the verification process performed by Taishin is one of the causes of foreign nationals residing in Taiwan currently being excluded from the service. However, this is still not acceptable. JKO is still acting as a service provider here and the discrimination against foreigners residing in Taiwan is taking place within the JKOPay app (see my previous screenshot from the app). As such, I consider JKO to also have partial responsibility to help fix this problem.
Although I understand that the origin of the current problem may relate to Taishin’s verification process, from my perspective, JKO has two options here as a company. You can either commit to providing an equal, fair, and non-discriminatory service and support my complaint and work to encourage Taishin to fix it, or you can decide that you would prefer to continue with the current policy of discriminating against foreigners residing in Taiwan and do nothing to improve the situation.
Ultimately, if your two companies are unable or unwilling to resolve this issue, I will also be including JKO in my complaint to the FSC alongside Taishin as one of the providers of a financial service that violates Article 62 of the Immigration Act and Article 7 of the Financial Consumer Protection Act, so I would hope that JKO would be willing to work with Taishin to find a solution without such a complaint being necessary.
I would kindly ask that you elevate this complaint to your supervisors at JKO or forward it to the managers of the relevant department. I find the current response unsatisfactory, but I understand that this issue goes somewhat beyond a typical customer service complaint.
Yours faithfully,
Me
Funnily enough, the Taishin server bounced back my e-mail to richart@richart.tw this time, saying that the mailbox was full. This didn’t happen for my e-mail yesterday.
傳遞至下列收件者或群組失敗:
richart@richart.tw (richart@richart.tw)
收件者的信箱已滿，目前無法接受郵件。請稍後再試著重新傳送郵件，或直接與收件者連絡。下列組織已拒絕您的郵件: TSHMAIL1.taishinbank.com.tw。
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Taishin customer service called me yesterday evening, ahead of the Oct. 5 deadline I’d given them in my previous e-mail. It seemed there had been some internal discussion with the Richart department and they’d prepared a three-point response for the poor lady on the phone to read out to me. Listening to it varied between comical and painful.
The customer service agent seemed reluctant to put this response in writing despite me asking several times (I got the impression she’s not supposed to, or she thinks she’s not supposed to, but she said she’d check with Richart), but she read it slowly enough for me to take notes and this is what I’d consider an accurate reproduction with some minor language revisions:
(1) In order to provide foreign residents with a friendly financial environment and motivate other banks in Taiwan to offer online banking service for foreign residents, Richart is the first digital bank in Taiwan to provide foreign residents with online banking service, as soon as the policy was announced. [I think this was referring to some government policy permitting online account opening. I did try and clarify this but it led to me being put on hold for another five minutes while she checked, and the final answer wasn’t entirely clear.]
(2) However, developing a digital channel exclusive to foreign residents takes a long time. Hence, in order to provide foreign residents with online banking service as soon as possible, we could only provide basic financial services such as online foreign currency exchange and account inquiry for now. We are still in the process of optimizing and completing the width of our services and products provided to foreign residents. Therefore, we are not able to offer special marketing campaigns such as JKO savings to foreign customers for now. For foreign residents who would like to make transactions via app, please use the mobile app provided by Taishin Bank.
(3) We appreciate customer feedback and thank you for your support. Recently, Richart is working on optimizing the account opening process for foreign residents. Although we may not be able to meet customer expectations in the short term, we will keep completing the service and products offered. We are sorry for the inconvenience posed and we are willing to offer you a compensation of NT$300 [] Family Mart digital gift card.
I told her politely that I don’t want the compensation and instead want them to fix the problem to provide a service that isn’t discriminating against foreigners. She actually seemed surprised by this and asked me a couple more times whether I really don’t want it. I had a bit of a rant that the policy violates Taiwanese laws and I want them to change it. She said she’d report that back to the Richart department.
I had to go out at this point but she said she’d call me back tonight to help me set up the Taishin online banking over the phone (first time I’ve ever done that with a Taiwanese bank – I thought we usually need to go into a branch). She just did that, so I can use the Taishin app now (Chinese only, but I guess that’s fine).
Tonight she also upped the compensation to NT$500 [ again]. I again told her I didn’t want it and would prefer to continue with the FSC complaint.
So that’s something for tomorrow or so – need to have a think about what I want to say, then I’ll be posting to some Facebook groups encouraging others to do the same. (This has come up before on a few Richart/JKO ads, so hopefully some other Richart customers will be willing to complain too.)
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