ABSA Credit card Un authoirsed payment and not much can be done.

ABSA bank has is officially a bank I do not want to be associated with. In fact it seems I can never pay off my credit card because the is always sudden debits on MY accounts which when you explain you do not know anything about you are expected to prove it but the people praying on the account they do not have to prove anything to take my money. They suspect a family member used my card which I have with me all the time and mind you my family consist of a 3 year old and my husband See below the emails of my stress with the bank: L*********x I******x ********** May 9, 2018, 2:26 PM to disputes Good day I had debit on my credit card number ****************** of around R578, Which I reported on the 15 April 2018 to request that it get reversed and I stated I will not pay my credit card until IT RESOLVED. I spoke to Lebogang Tsotetsi who gave me Ref number ********** and told me my credit card will be closed immediately and I will get a call to notify me to pick a new card I kept getting sms's that my account is overdue, I phoned asba and informed them of the incident above and I was told I should not worry my credit number will not change even if the first credit is closed so I should keep on paying the card, so I paid the amount of 500 which is what I have been paying since I was paying my credit not the amount debited by radiospeak. now I keep getting massages that the account is overdue by R300, I will not pay anymore money until that debit order has been resolved BECAUSE CLEARLY I AM BEING ASKED TO PAY FOR IT BEFORE IT IS RESOLVED. MY PAYMENT ARE 500 NOTHING MORE SO PLEASE REVERS THE MONEY CHARGE AND MY ACCOUNT WILL BE UP TO DATE EVENTUALLY THIS MATTER GOT RESOLVED THEY GAVE A NEW CARD WHICH I MADE SURE I DO NOT USE IT BUT SOME HOW MONEY STILL GO MISSING SEE MORE RECENT ISSUES

Good day Please note I have a credit card payment made as follows Absa: CCRD1***2, Pur, 06/10/18 AUTHORIZATION, UNDAYEVCS.COM ********** 0, R1,519.00, Total Avail Bal R-478.00. Help ********** 600; K******L002 And Absa: CCRD1***2, Pur, 12/09/18 AUTHORIZATION, UNDAYEVCS.COM ********** 0, R30.00, Total Avail Bal R824.00. Help ********** 600; K***XXL002 I do know who they are and why they taking money from my account . I have just changed my card due to such issues I didn't expect any more un authorised payment to go through my account. Please reverse the payment and block them immediately. My ID no is :8*********X087 AND THEY RESPOND SAYING: Dear Miss Kwinda

We refer to the email below about the disputed transactions for UNDAYEVCS.COM Please note that the transaction is for skin products, weight-loss or testosterone booster pills. Please understand that whenever you enter into a transaction (either online or via the telephone) with a supplier such as this merchant you accept the terms and conditions of that supplier, even if you did not read them. By law, it is up to you to make sure that you read and understand the conditions. The terms and conditions of the merchant stated that you will be entering into a 14-/16-day trial membership when you initiated the first transaction on 12 September2018 and that this membership automatically becomes a 30-day premium membership unless you cancel within 14/16 days. By giving them your card details, you accepted both the 14-/16-day trial membership and the fact that you could only cancel during those 14/16 days. Kindly see below: 0005 09/12 09/13 7****************030012 PU UNDAYEVCS.COM N 30.43 Unfortunately, according to the rules of the Card Association, if you wish to dispute this transaction, you will need to take this up with the merchant first, before we, as a bank, are allowed to get involved. The rules also state that if you did not receive the goods you paid for because they are being blocked by South African customs, we are not allowed to reverse the transaction. However, if you did not receive your goods and they are not being blocked by customs, you will need to do the following: Contact merchant via email, saying that: You never received the products You want all your money to be refunded You are cancelling your membership/transaction and they must stop debiting your account Send us all these emails and the replies Send us your order confirmation/description of goods ordered Once we have received your emails, we will be able investigate your claim. As soon as we have completed the investigation, we will contact you about what can be done. Merchant's contact details are as follows: Email: ********** and ********** Thank you for contacting us and we sincerely hope that your dispute will be suitably resolved

Kind regards Millie Seziba Consultant: Disputes K***XX02

Good day

If only I know what products these are, I do not have an order confirmation or an email to talking about subscription to these people. Like I said I have not bought any of the things listed below. I am getting frustrated because the information you are requesting from me I don't have because I have not been in contact with these people. I have no trail of emails or purchase from the company the first time I saw it was when I had a debit order. How do you expect me to cancel something I don't even have reference for? If you will not be able to get back my money please cancel my card. I will make payment to it knowing I don't have anyone praying on my account.

Kind Regards Hi

In fact did these people give you proof that I purchased from them? If they did please share, And If they didn't why do I have to be the one proving that I didn't buy from them. I am your client you should be protecting my money. It so easy for these ******** to take money from our accounts but difficult to get it back when we say we are not aware of such commitments. The Is no way I would have missed that I am subscribing for something that will cost me 1500.

If this matter cannot be resolved this will be my last business with Absa. In fact you should please CLOSE my account, I know i still owe it ,I can still pay the card just keep it inactive for any purchases.coz I am working hard to not use it but it somehow gets used by ******** that seems to have the upper hand on the situation.

Dear Miss Kwinda

We refer to the email below. If neither you nor a family member, who may have access to your account, has ever entered into a transaction with this merchant you may contact our ***** Department to open a ***** case. Their contact details are as follows: Email: ********** Thank you for contacting us and we sincerely hope that your dispute will be suitably resolved. Kind regards Tebogo Tsoai Dear ***** Team Please assist with below query. Kind regards Tumelo Masalesa Consultant: Disputes Telephone ********** KWINDLL ********** 4286

Langanani Ilefo ********** Oct 13, 2018, 1:28 PM (21 hours ago) to disputes

Email to Absa Hi Can you please share with me the information that made you believe that I purchased from this people? Also what do I need to do to I would like to pay my card without it being inactive.

SO I DECIDE TO CANCEL WHATEVER THE BANK IS TALKING ABOUT AFTER THEY GAVE ME THE COMPANY EMAIL ADDRESS Email to *** Hi Undayev.com

I have received debit from my credit card and it was NOT authorized BY ME because I have no knowledge of subscribing to your website or buying anything from you, IF YOU HAVE PLEASE SHARE WITH ME.

I cannot give you reference numbers because I do not have one with you, WHICH IS WHY I DONT KNOW HOW YOU GOT MY CREDIT CARD DETAILS, so please CANCEL everything under My Name : Langanani Letwin Ilefo

I do not know what other information you will required from me FOR CANCELATION AND REFUND OF MY MONEY

Email to Absa

Hi Absa

This is the email I received from this people regarding cancellation. I still don't have information such as membership number. They just say it is cancelled within its introductory period. Yet in your email you mentioned I was charged 1500 because I passed the trail day. Can you please share with me where you got the information.

Because I have never been in contact with this company and I expect my bank to protect me from such people.

---------- Forwarded message --------- From: ********** Date: Wed, 10 Oct 2018, 9:01 AM Subject: RE: Cancellation and of any subscription you have under my name:Langanani L Ilefo To: **********

Greetings, Thank you for contacting customer care. Your account with Pro Plus Garcinia has been successfully canceled. There will be no further charges to your account. Since your account was canceled within the Introductory Period, you may keep your 30 day supply. Thank you for your interest in our product. Please let us know if there is anything we can do for you in the future. Kind Regards, Pro Plus Garcinia Support Team +27- ********** 58