ABSA unashamedly succeeds in de*****ing me and the keep closing the call without investigation. Help in need of regulatory bodies for banks

Hi

Please do not refer this case to Rezona Louw 113 303 039. You can’t have a query and complain about a person sounding ****** and not investigating anything. Who keeps on closing the call. It has been established that there is a discrepancy with the money that is reserved every-time a customer does a transaction and when the merchant banks. I am an ABSA client but am negatively affected by the merchant and I asked to explain how and who is the client here. Through out my banking experience I’ve never had of this a debit order runs from my account and will only run on Absa’s system 2 days later. When it runs it reserves an amount but that amount was used for a transaction that ran on the 17th so no following chronological order, but at the end of it I must pay the charges in this instance what are we supposed to do. I trusted the bank with my money and it seems they have succeeded is de*****ing me because I’ve been complaining about this and expressed that this is my children's money in this economy I can’t afford to just keep quiet about this. And everytime the case gets closed with no resolution. I even went to the extent of providing a statement and notify me messages. She just sent me a list of notify me and no comparison to show the matches and differences in what was sent to me and what she has. There are few that have differences which she didn’t even address it. When you do investigation you check you just not do things to tick a box and pass it on. This time she took a week and there was no resolution.

The banker issue, she also came back to say in ABSA there are no bankers for premium only private when I told her I am supposed to have one and I was assigned one. She then said when I go into a meeting with him I must conference her in I asked her how when I’m the first place she said I shouldn’t have and she has not investigated anything. The guy I am talking about has taken time to discuss things with me and my statement and his match hers does who’s is why I am saying ABSA is de*****ing client because, you can not have the same business and what you present to the client is not what you are doing at the back. I still have no explanation on where my money disappeared to and I still don’t accept the bank charges for the returned debit as it was not my fault. I still don’t accept the explanation about merchants banking late when the notify tells me money has been reserved for the transactions. Where is the reserved money. Unfortunately when it comes to the banker I don’t know what happens he phones me and we talk and he promises to send me an email and asked me to save his number. I confirmed an appointment with him for Friday 30 April 2022. I went and no one could find him I don’t know if I went to the right branch but I couldn’t find him and that’s not his fault as I don’t know what’s going on with my phone. If he can can he please send me his contacts again I will call him and make arrangements myself. Regulatory bodies Can you please give me the contacts and information of regulatory bodies so I can report this because if this is how the system is run then you are robbing the very people who pay you bank charges to please non clients. If it’s an ABSA system it is errored and needs to be fixed.

Please resolve this and don’t pass the buck I feel defeated by the inferior customer service and your personal lack of empathy. When you reply you do it in a condescending tone and rushed responses like you just want to tick this box and let it move on, by you are dealing with a persons’ life here, who works three jobs to ensure the wellbeing of her and families wellbeing.So when things like this happen it it really touches a nerve.

I’ll start with the account, I was sold the account at the main ABSA branch in Springs when I got my degree and had gotten a letter as a lecturer. Upon my change in account status from student cheque account to potentiate, then later platinum I was assigned a portfolio manager who would once in a while call yo check if I was happy with my account. For a while there I was a happy customers as all the promises I was made were fulfilled I didn’t stand in ques I felt appreciated as a client. I got regular sms and a call when my fund were below a certain amount to refill the account. It was a welcomed change from being the one who was giving the service to being the one that received. Even when the debit order went through I would get a call to transfer amount so that they would not return them. Then ABSA made changes I was in Benoni by then. I never knew my pm, so I managed my account all of a sudden my overdraft was canceled and I was paying it off. And all of a sudden I would have huge amounts of banking fees. I was told it’s all debit order reversals, digital and electronic transactions. When I got the account I was told as long as I’m using electronic transactions they would be free. These huge transaction fees amounted from debit orders reversals, which was mind boggling because we did sign up for the debit orders but we have to pay for the reversals. They knew the debit orders were schemes but we still got the brunt for it. There’s this trend of funeral covers from different companies that take money and you first have to go through the trouble of standing in a Que in the bank remember (The charges for the account are still there and increasing even if there was no portfolio manager) remember reversing via the app is new and then still be charged for someone going through account to take money.

Last year I complained about the bank charges and wanted someone to explain the difference between electronic transactions and digital transactions, I was attended by a white lady on the phone she just said I don’t know why you a premium account holder you should downgrade so you don’t have to ask about bank charges. I was offended because she imp**** I didn’t deserve such account as I was beneath it, so to at salt to injury I didn’t even have a portfolio manager to manage my account. This kept on happening to a point that I was to tired of these mysterious bank charges and I made sure no debit order bounced. In February I settled the overdraft as I was servicing a debt that grew less by R100 per month which didn’t make sense. So I settled it so that whatever money I have on the account is the true refection of what I have. I don’t know what I have done to ABSA but everything just went south, i complained earlier on on hello Peter and after that complaint I was promised a Portfolio Manager from Eastrand mall who would send me his details cause I spoke to him then any problem I had with ABSA he would handle. I went to bed with money in my account as I’ve tracking it had R1600 and all my debit orders went off I was happy I went on with my day. On the 17th I suffered and experienced something I can not explain nor understand I had sms’s popping on my phone all my debit orders were reversed by the bank and I would be charged R150 for each which meant I was losing above a R1000 on charges. Please see attached statement for April 2022 to show the transactions which don’t show a zero balance.

I put the complaint on hello Peter again and the lady just sent a screenshot of transactions which don’t match my statement nor my app no my sms of the balance in the account and send me an email that the query is closed. She didn’t speak to me nor explained anything, now I went to bed on Thursday with an sms that said I had R265 available in the account, the next morning I was supposed to work I had -R200, with panic 😱 now as I had the worst response yesterday, I decided to call the premium banking line because this was now looking personal and no way believable. I was told it came from old transactions that banked on that day I asked how could that happen because every transaction you make it reserves money and when I queried before about the reserving of money, I was told the business reserves the money you should never look at the balance on the app but in the sms because that’s the money that’s left so how come I find myself in this situation? I really want to understand and get help I can’t be bamboozled of R1500 by a bank. The