Several financial institutions were charging fees for investigating complaints, including in cases of unauthorized transactions. Following some checks, the CNPF found that fees ranging from 1 to 35 euros per transaction were being applied. These were charged, even though the verification of such situations is a legal obligation of financial service providers and should not be separately charged.

The checks have revealed other practices that affected consumers. The National Financial Market Commission mentions that some banks have contractually established that, in the event the customer has lost or had their bank card stolen and unauthorized payment operations were carried out with it, then the customer had to pay a fee of up to 2,500 lei, even though the maximum legal limit allowed is 500 lei.

In the field of lending, CNPF found errors in the calculation of interest for some mortgage loans. The authority ordered the recalculation of amounts and the refund of non-compliantly collected interest for 645 contracts. At the same time, a bank was prohibited from the practice in which the real cost of the loan was presented in a way that could mislead consumers.

During the inspection, cases were also detected where customers were offered shorter deadlines than those stipulated by law for disputing unauthorized transactions. Instead of the legal term of up to 13 months, some contracts imposed notification in just a few days or months, creating the false impression that users lose their rights.

Among the identified violations are clauses that allowed for the blocking of cards or banking applications under conditions not provided for by law, as well as fees charged for early termination of service packages. CNPF specifies that most of the entities checked have already started to rectify the deficiencies, and in cases where consumers have been financially harmed, the amounts are to be reimbursed according to the law.