Poland Consumer Banking Xopoko

---
name: poland-consumer-banking-xopoko
title: Poland Consumer, Telecom, and Banking
description: Consumer routes. Use when Polish complaints matter.
author: Xopoko
author_url: https://github.com/Xopoko/poland/tree/main/skills/poland-consumer-banking
license: MIT
version: 0.1.0
execution_mode: open
jurisdiction: pl
practice: consumer
language: en
---

# Poland Consumer, Telecom, and Banking

Use for merchant disputes, telecom issues, banking/payment-service problems,
consumer complaint routes, regulator/ombudsman discovery, and scam-resistant
evidence planning. Do not provide investment advice or impersonate the user in a
complaint.

Confirm product/service type, counterparty, transaction or contract stage,
already-used complaint route, response/deadline, requested remedy, and whether
fraud or immediate account compromise is suspected. Never request credentials,
card data, full account numbers, OTPs, or unredacted statements.

Build an evidence timeline and distinguish:

- direct complaint to the trader/provider;
- consumer support or UOKiK route;
- telecom/postal UKE route;
- banking/financial ombudsman or supervisory route;
- police/emergency response for active fraud or danger.

Verify the current competent body and deadline from its official source. Draft a
reviewable complaint outline. If the user requests hands-on account or complaint
help, apply `../../references/automation-playbook.md`: the user authenticates;
minimum relevant record inspection needs explicit task scope; sending, upload,
download, or an account change needs action-time confirmation. Settlement
acceptance, money movement, final bank authorization, signatures, and irreversible
product closure remain user-controlled.
Route active danger or trafficking to `poland-emergency-rights`. Read
`../../references/daily-life-map.md`.