Online Banking Woes
I use internet banking regularly. And for this to happen is a bit 
unacceptable considering that this is not the first year this particular bank is offering it’s online services. With all the hype on it’s revamped online site, this becomes more unacceptable.
I did an online transfer to pay my loan last week. A few moments later a notification came out saying that my transfer was unsuccessful. And there was a ‘make another payment’ button at the bottom of the page. So what did i do? What would anyone do when you’re told that your transaction is not successful and a button for you to make your payment appears. I clicked the button to tried to make the payment again. This time, i had no problems. Except when i checked my account balance and saw that the amount shown indicated that i made the payment twice. Which really irritated me considering that this is supposed to be a ‘revamped and updated’ site and stupid problems like this should not occur. I called the bank and the silly answer i got was “..sir, actually even if the notification shows that it is unsuccessful, you should not retry instead you should call the bank to check..” And he told me about a pop up notification that should appear to explain the need to call the bank which i can promise you never did (i still find it weird that you have to call the bank to check whether your transaction is successful or not when internet banking should be just that).
The worse part is that the bank told me that now they cannot reverse the transaction made, even the supposedly unsuccessful one. I was told that the transaction has reached the server and there’s nothing they can do to stop it. What the hell were they thinking? Launching a half baked internet banking website with misleading notifications and yet there’s nothing they can do to remedy the fault. And so after a few minutes of making my unhappiness clearly known to the bank, they finally say that one way to reverse the transaction is to notify the receiving bank of the cancellation, but there will be a charge of RM10. Now why on earth did he not tell me this earlier is still a mystery to me. And frankly i didn’t really care by then. I just told him to do whatever he has to do. And do something about the website. You don’t tell people things that are not true especially when people are relying on the integrity of your services to do business. Especially, when it involves someone’s hard earned money.