It has been discovered that personal data (non-public financial information) from Japan Post Bank was being used by Japan Post Insurance to sell insurance without customers’ consent at events such as those dubbed “Customer Appreciation Day” by post offices. On the 20th, Japan Post Insurance reported the matter to the Financial Services Agency, stating that there was a possibility of violation of the Insurance Business Act. On the same day, Japan Post instructed all post offices nationwide to immediately cancel all events using banking data, including those currently being planned. According to a Japan Post instruction document dated the 20th, fraudulent use of bank customer data to attract visitors for the purpose of insurance solicitation has been discovered across the country. A typical example is when a bank uses a search system to create a list of customers who meet certain criteria, such as savings balance and age, and then encourages them to visit the bank to sell them products such as lump-sum whole life insurance. There are also events where prizes are given away, or they use the excuse of converting bank cash cards to IC cards to get people to visit the bank. However, there is no system in place that generally requires consent to insurance solicitation when opening a Japan Post Bank account. In its instructions, Japan Post said it was aware that there would be no problem if consent was obtained after the customer visited the post office. Japan Post Insurance has reported the problem to the Financial Services Agency and will continue its investigation and consider measures to prevent recurrence. An Asahi Shimbun report in early September revealed that the Kinki branch had instructed post offices to hold events such as “Customer Appreciation Days” to encourage customers to visit branches in order to sell financial products. Although there was a possibility that this may have violated local consumer affairs ordinances that prohibit solicitations that conceal the purpose of product sales, Japan Post’s external reporting hotline, which received the employee’s report, deemed it “no problem” and did not take action. In an April instruction document from the Kinki branch… (The following is a paid version, 246 characters remaining) Asahi Shimbun, September 21, 2024, 7:00 a.m.
>>1 If you work at a financial institution, blocking bank and insurance information is common sense The basic rule is that you should not use bank account balance information to create a sales list for insurance solicitation If the teller looks at the bankbook balance and thinks they can sell insurance, they first get a consent form from the customer and then explain the insurance.
No, no, they’ve been doing this for a long time, using customer data for election campaigns, the Association of Specific Bureau Directors has been doing this since the post-war period.
I’d like to think that it’s better that it’s public, but it happens regularly and it’s so stupid. Or rather, we should reduce the number of people who don’t work on site.
With the complete disclosure of Minor System AWS, solicitations from all kinds of unscrupulous companies will continue every day, especially from Chanko and Chon groups.
I haven’t heard many good things about Kanpo no Yado, and even though things have gotten a lot better since the privatization of the postal service, they still act like civil servants.
>>30 Also, the reverse is also not allowed. You cannot use a list of insurance that is nearing maturity or endowment insurance for investment purposes to sell investment trusts or NISA.
A few years ago, wasn’t there a case where a post office employee didn’t dispose of postage-paid stamps, but instead exchanged them at a recycle shop and embezzled 100 million yen? Then, someone from one of the post offices leaked information that this is actually a common occurrence and that many other post offices are doing it too. In the end, a high-ranking postal official held a press conference and said that they would investigate all post offices nationwide, but there has been no follow-up news… I wonder what happened in the end?
The salesmen at the National Pension Service are annoying. As soon as my mom’s fixed term insurance matured, they tried to sell me a 10-year policy that covers 3 million yen in death insurance and 5,000 yen per day in hospitalization. They’re clearly leaking depositor information.
I was pressured by a salesman into buying a 10-year policy, but when I was in my 40s I developed heart failure and was hospitalized for a long time, so I ended up receiving more in insurance money than I paid in premiums, so I made a profit lol.
It’s about time to reconsider the name of the post office. It’s malicious that they are intentionally trying to maintain the image of “savings and insurance run by the government.” Post offices should be treated as “branches” of Japan Post and only handle transactions similar to Japan Post ATMs and current Aflac products. Japan Post and Japan Post Insurance should set up separate branches and handle the process there. It’ll be difficult in depopulated areas where universal services are involved, but it should be easy in other areas.
I think it’s illegal to make someone open the door and tell them it’s mail, then try to sell them New Year’s cards or catalog items, but they just let it slide.
It’s so commonplace that when you go to the counter to switch your bankbook, you’re immediately solicited for insurance, so I didn’t think anything of it, and I thought it would be natural for them to use my data, but it seems that’s not allowed.
>>43 It’s fine to solicit when you come to the counter If they agree to listen to your story, have them sign a consent form Don’t call or send direct mail using savings data without a consent form and hide the purpose of soliciting insurance Because there is far more data on savings than insurance.
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