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I have similar bad experience like below link

https://de.reclabox.com/beschwerde/70222-targo-bank-koeln-veraeppelung-bei-kreditgespraech

Rotebühlpl. 5, Stuttgart.

I went to to submit ''Freistellungsauftrag - Steuerfreibetrag''

But they started to talk to recommend to buy ETF ''Privat-Rente DAX Garant | TARGOBANK''

When I see '' https://de.reclabox.com/beschwerde/70222-targo-bank-koeln-veraeppelung-bei-kreditgespraech''

I was surprised Because This article is really similar to my bad experience.

'''Direkt ging es im Gespräch um den Kredit, nach zwei Minuten weichte der Bankmann aber von dem eigentlichen Thema ab und versuchte mir 10 Minuten lang Versicherungen zu verkaufen und mich davon zu überzeugen hier doch ein Konto zu eröffnen.''

''The conversation went directly to the loan, but after two minutes the bank man deviated from the actual topic and tried to sell me insurance for 10 minutes and convince me to open an account here.''

This is same situation like me.

Then Banker (Mr, M. Z.) he really strong recomended ETF ''Privat-Rente DAX Garant | TARGOBANK'' in Rotebühlpl. 5, Stuttgart.

So i believed him, then I followed him. Because he (Mr, M. Z.) promised this is no risk.

Targobank protect ''Sicherheit – mit dem Lock-in-Prinzip''

Erzielte Gewinne werden Ihrem Vertrag gutgeschrieben. Ihr Guthaben kann danach nicht mehr sinken. Warum ist das so?

So if ETF has bad performance. Never lose money.

Then I canceled SANTANDER bank ETF.

Because he recomennded. He told me '''Targobank is better than (SANTANDER SELECT DYNAMIC) '' and I never lose money.

But it is not correct.

After that I and another banker (Mr M. R.) in Targobank of Orleanspl.
6A, 81667 München.

Mr M. R. told me, I lose maximum 2400,00 euro.

In 2019 he caliculated my lost profit is
xxxxx235-1, I lose around 80-100,00 euro.
xxxxx235-2, I lose around 400- 500,00 euro.
xxxxx235-3, I lose around 900 - 1000 euro.
Santander, I lose around 600 – 800,00 euro.

This is really strange.

In Stuttgart (Mr, M. Z.) he told me, No risk and customer never lose money because protection of ''' ''Sicherheit – mit dem Lock-in-Prinzip''''

But another banker of TARGO bank = (Mr M. R.) he told me, I lose maximum 2400,00 euro in 2019.

This is most terrible experience.

additionaly I have one more strange experience of '' Lastschrift''

My cotract of xxxxx235-3 is doing ''Lastschrift'' Monthly.

Contract says Monthly ''Lastschrift'' is 200,00 euro.

But they took 210,00 euro.

It is really strange contract.

Even BAFIN or Versicherungsobudsmann, they did not help enough investigatation against those terrible accidents.

I saw similar complaints in this website.

German Parliament must check bank more seriously.