https://www.rozen-bakher.com/iccg-announcements/op183

ICCG Announcement: 19 April 2023, 20:43. Latest Update: 05 May 2023 at 13:33

Complaint to Portuguese Red Book about Cetelem Operation https://www.rozen-bakher.com/iccg-announcements/20/04/2023-1400

Highlights

Order RP Credit Card of Cetelem. On 09 October 2022, Dr. Rozen-Bakher made an application for RP Credit Card of Cetelem in one of RP stores in Lisbon. At the time of the application, the address of Dr. Rozen-Bakher was still at the hotel in Lisbon, yet after 17 October 2022, the address on RP system was changed to the current address of the rental apartment, so when Dr. Rozen-Bakher made for the first time order in RP store, then she has already had the current address of the rental apartment on RP system. On 11 October 2022, Cetelem approved the application for the RP Credit Card.
Blocking Log-in to Cetelem Website. After receiving the Credit Card, Dr. Rozen-Bakher tried to log-in to Cetelem website, but ICCG blocked the log-in as done in many other cases via not recognizing details that were absolutely correct. Nevertheless, Dr. Rozen-Bakher had no problem to log-in to the RP website and making orders. Likely, that ICCG did not block the RP website because Dr. Rozen-Bakher visited frequently the RP store in Lisbon to see products and make orders. After the Cancellation of the credit card including giving a complaint on Red-Book, then Dr. Rozen-Bakher for the first time succeeded to log-in to Cetelem website.
Manipulation with Getting Posts from Cetelem.
- Despite the change of the address on RP website, as well as via phone call with Cetelem, Dr. Rozen-Bakher continued to get posts from Cetelem at the hotel in Lisbon where she stayed with her son during the looking for a rental apartment in Lisbon. In light of that, on 20 November 2022, she sent a request to Cetelem to change the address (see below), but no response was given from Cetelem and the letters from Cetelem continued to arrive at the hotel.
- On 06 February 2023, Dr. Rozen-Bakher sent a reminder to Cetelem to change the address (see below). On 19 February 2023, Cetelem responded to the request by asking Dr. Rozen-Bakher to change it on the website, despite that she did it months before on RP website, as well as by phone with Cetelem.
- On 21 February 2023, Cetelem gave an answer about changing the address - ‘We confirm the resolution of your request’ - yet without mentioning the word address. After this email, the letters from Cetelem continued to arrive at the hotel.
- On 04/2023, it was the first time that Dr. Rozen-Bakher got letters from Cetelem at her current address since 10/2022, still, unclear yet where is the monthly report that was supposed to arrive on 03/2023. To clarify, on 02/2023, the monthly report still arrived at the hotel, while on 04/2023, for the first time the monthly report arrived at the current address (see below), while the monthly report that was supposed to arrive on 03/2023 did not arrive the current address, so currently, Dr. Rozen-Bakher does not have it.
Delay of 3 Days in Payment amid Zürcher Kantonalbank (ZKB) Operation: Hostage Money Operation
- A Notice about Delay in Payment. On 03 April 2023, Dr. Rozen-Bakher informed Cetelem by email (see below) that it will be a delay in the payment amid Zürcher Kantonalbank (ZKB) Operation: Hostage Money Operation https://www.rozen-bakher.com/iccg-announcements/05/04/2023-0921. No response was given from Cetelem to this email.
- A Notice about the ability to collect the money. On 06 April 2023, 3 days later, Dr. Rozen-Bakher informed Cetelem by email that the money transferred and that Cetelem can collect the money of 79 Euro via the Direct Debit (see below). No response was given from Cetelem to this email, and Cetelem even did not try to collect the money via the Direct Debit.
On 19 April 2023, First Request and a Second Request to get the Final Bill amid Cancellation. Dr. Rozen-Bakher send a request to Cetelem to cancel the RP credit card, and a few hours later, she got an email with a demand to pay an amount by the end of the day without providing any report of the final bill nor any information that the payment refers to the cancellation of the RP credit card. Importantly, Cyber was made on the email - since its receiving namely, it did not change to read, despite many attempts to change it. Amid this Cyber-Read, Dr. Rozen-Bakher moved the Email-Read of Cetelem to a new folder-’Cetelem’ in Outllok, but after moving the email, the folder including the email vanished from Outlook under NETIM (zrb@rozen-bakher.pt). Nevertheless, the original email still exists because Dr. Rozen-Bakher forwarded this email. The method of vanishing folders in Outlook under NETIM (zrb@rozen-bakher.pt) was repeated in the last year as in the case of the folder of ‘Academic Position’, yet when Dr. Rozen-Bakher moved new emails to the folder of ‘Academic Position’, then it showed again, but after that, it disappeared again. This Vanish-Cycle of the folder ‘Academic Position’ was repeated over a few months until suddenly it stopped disappearing. However, in the case of the ‘Email-Read’ of Cetelem, when Dr. Rozen-Bakhe tried to move other emails to the Cetelem Folder, then she got a notice that this folder does not exist despite that it showed on the move emails options, still, after that, the folder Cetelem even did not appear any more in the move emails options, so it seems that the folder of the email of Cetelem permanently vanished, still, as mentioned, the original email still exists because Dr. Rozen-Bakher forwarded this email.
19 April 2023, Suspected Cyber Email. See Cetelem Operation: Suspected Fabricated Email by ICCG Amid Cancellation https://www.rozen-bakher.com/iccg-announcements/24/04/2023-1733
04 May 2023, Cetelem Ignored the Request to get the Final Bill in order to pay in one payment via a Bank Transfer. 04 May 2023, Cetelem sent a request for a delay in payment that ignored the previous requests to get the Final Bill.
04 May 2023, Third Request to Get the Final Bill. On 04 May 2023, for the Third Time, Dr. Rozen-Bakher asked Cetelem to Provide her the Final Bill including its Calculation.
04 May 2023, Blocking the Third Request to Cetelem. On 04 May 2023, a notice was given about not sending the Third Request to Cetelem. The email was likely blocked by ICCG (see below).
05 May 2023, Sending Third Request to Get the Final Bill from Another Mailbox. On 05 May 2023 Amid the suspected blocking, the email was sent from the mailbox of her son.
05 May 2023, Cetelem again Ignored the Request to get the Final Bill in order to pay in one payment via a Bank Transfer. 05 May 2023, Cetelem sent a request for a delay in payment that ignored the previous requests to get the Final Bill.
05 May 2023, Fourth Request to Get the Final Bill. On 05 May 2023, for the Fourth Time, Dr. Rozen-Bakher asked Cetelem to Provide her the Final Bill including its Calculation in order to pay at once via bank transfer.

05 May 2023 at 12:18, A Fourth Request was sent to Cetelem to get the Final Bill to Pay the Remaining Instalments in One Payment including Giving the Calculation of the Final Bill

05 May 2023 at 11:42, An Email From Cetelem that AGAIN Ignored 3 Requests to get the Final Bill to pay via Bank Transfer

05 May 2023 at 10:20, Amid the blocking email to Cetelem, then the Third Request to Cetelem was sent from the mailbox of Dr. Rozen-Bakher’s son. A Third Request was sent to Cetelem to get the Final Bill to Pay the Remaining Instalments in One Payment including Giving the Calculation of the Final Bill

04 May 2023 at 16:15, Blocking Email to Cetelem about the Third Request to get A Final Bill

04 May 2023 at 15:15, Amid the email (04 May 2023) from Cetelem that ignored two requests to get the final bill, A Third Request was sent to Cetelem to get the Final Bill to Pay the Remaining Instalments in One Payment including Giving the Calculation of the Final Bill

04 May 2023, An Email From Cetelem that Ignored Two Requests to get Final Bill to pay via Bank Transfer

19 April 2023 at 15:35, Amid the Suspected Fabricated Email, A Second Request to get the Final Bill to Pay the Remaining Instalments in One Payment including Giving the Calculation of the Final Bill

19 April 2023 at 09:58, A Suspected Cyber Email was Received without Providing Final Bill nor Calculation of the Final Bill

For Full details please see Cetelem Operation: Suspected Fabricated Email by ICCG Amid Cancellation https://www.rozen-bakher.com/iccg-announcements/24/04/2023-1733

19 April 2023 at 06:53, Cancellation of the Credit Card and First Request to get the Final Bill to Pay the Remaining Instalments in One Payment including Giving the Calculation of the Final Bill

Informing about Delay in Payment for 3 Days amid Zürcher Kantonalbank (ZKB) Operation: Hostage Money Operation https://www.rozen-bakher.com/iccg-announcements/05/04/2023-0921