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Rochelle S

1 reviews | Active since Mar 2009

09 Dec 2020, 14:00

Dont be fooled by ABSA's payment relief. It will giving you a bad credit rating

In June i app**** for a payment relief on my credit card. No one bothered to contact me to inform me that it was approved. I am ever sorry i took this payment relief. When i called in the consultant told me i was approved. I was happy because i needed some relief however none did i know it was going to haunt me. So dont be fooled, ABSA is not there to help. The 2nd month of the relief started getting messages on my phone stating the credit card is overdrawn. I called and asked what these message where about because i have not used the card. They then explained that even when you have relief you still have to pay the interest. I explained to the consultant that i do not have the money to pay the interest. She said not to worry i can pay it when i make my first payment. Oct my repayment was over 5k. I called and told them i am paying 2500. They agreed that it was fine. Now i need access to overdaft as my dad passed away. I app**** and the following is on my credit profile: "EXPERIAN REFLECTS OVERDUE BALANCE OF R3,173, POOR PAYMENT PROFILE BY ABSA CREDIT CARD. WILLINGNESS TO REPAY FACILITY IS NOT EVIDENT. " In all the time i have had my card i have never had such a report. I call they say this was for Oct. It is Dec and it is still showing on my profile. Even if the account has been paid.

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Replies (21)
Absa
Absa's reply09 Dec 2020, 14:27
Official
Dear Rochelle Spadoni
 
Thank you for bringing this unfortunate matter/incident to my attention and please accept my sincere apology . I will review and provide you with my specific contact details as well as the expected timeframe for further feedback/resolution via email or making contact with you telephonically within the next four hours . 
 
The reference number to your complaint is C-***4
 
Kind regards,
Rezona Louw 
Group Customer Care
RS
Rochelle S's update10 Dec 2020, 09:22
Reviewer Update
Hi Rezona, I am following up on my complaint. I had reported this before the ref number is C-***9. I spoke to Catherine.

Absa
Absa's reply10 Dec 2020, 10:05
Official
Dear Rochelle Spadoni
 
Thank you for your posting.

Please refer to our email send to your personal email address.

Kind regards,
Rezona Louw 
Group Customer Care
RS
Rochelle S's update10 Dec 2020, 10:16
Reviewer Update
Hi

I have not received an email.
Absa
Absa's reply10 Dec 2020, 12:15
Official
Dear Rochelle Spadoni
 
Thank you for your posting.

We have sent an email to email address *** requesting your account details.

Kind regards,
Rezona Louw 
Group Customer Care
RS
Rochelle S's update11 Dec 2020, 10:49
Reviewer Update
Hi

Has there been any progress on this matter ?

Rochelle
Absa
Absa's reply11 Dec 2020, 11:05
Official
Dear Rochelle Spadoni
 
Thank you for your posting.

Feedback will be provided by close of business.

Kind regards,
Rezona Louw 
Group Customer Care
RS
Rochelle S's update14 Dec 2020, 07:56
Reviewer Update
Hi Rezona,

Friday at 11 you said i would have feedback at the close of business. To date I have not received any response. In my original compliant i explained i had lost my dad and needed access to funds. You have not taken that into consideration. You didn't even make an effort to contact me. Is this the service i should expect from ABSA ? If that is the case i might as well close this account.

Regards

Rochelle
Absa
Absa's reply14 Dec 2020, 09:09
Official
Dear Rochelle Spadoni
 
Thank you for your posting.

Please accept our sincere apologies for not providing to you with the feedback as promised, this was due to system errors.

Feedback will be provided by close of business.

Kind regards,
Rezona Louw 
Group Customer Care
RS
Rochelle S's update14 Dec 2020, 09:49
Reviewer Update
Rezona, you sent me an email with no resolution. Instead you showing that how i paid my account late however you dont notice that the payments that were **** were always above the minimum payment. . However you are not resolving the matter at hand. Why have you list the following on my profile: "EXPERIAN REFLECTS OVERDUE BALANCE OF R3,173, POOR PAYMENT PROFILE BY ABSA CREDIT CARD. WILLINGNESS TO REPAY FACILITY IS NOT EVIDENT. " Why is it till appearing on my profile?? Why has ABSA bank not updated this information ???


Absa
Absa's reply14 Dec 2020, 10:44
Official
Dear Rochelle Spadoni
 
Thank you for your posting.

We have received your emails and is busy with further review.

Feedback will be provided by close of business.

Kind regards,
Rezona Louw 
Group Customer Care
RS
Rochelle S's update14 Dec 2020, 11:19
Reviewer Update
Rezona, This is an emergency. You dont seem to understand. I have lost my dad and i need to pay for the funeral.
Absa
Absa's reply14 Dec 2020, 12:49
Official
Dear Rochelle Spadoni
 
Thank you for your posting.

We sorry to hear about you loss.

Our office has escalated the matter to our management team. Feedback will be provided by close of business.

Kind regards,
Rezona Louw 
Group Customer Care
RS
Rochelle S's update14 Dec 2020, 15:38
Reviewer Update
Rezona

It is nearly close of business and there has been no traction whatsoever. I check with the bureau and nothing has changed. I am truly at a loss of words. I dont think you understand how urgent this is. :-(
RS
Rochelle S's update15 Dec 2020, 09:51
Reviewer Update
Rezona another day passed and there is no resolution. May i have feedback please.
Absa
Absa's reply15 Dec 2020, 10:56
Official
 
Dear Rochelle Spadoni
 
Thank you for your posting.

Please refer to our email send your personal email address.

Kind regards,
Rezona Louw 
Group Customer Care 
RS
Rochelle S's update15 Dec 2020, 20:09
Reviewer Update
Rezona, another excuse thats all ABSA does is make excuses. There is so much inconsistency in your reponses. First you report to the bureau that I owe 3173. Then someone calls me and says i owe 980. I pay 350. My statement indicates that i need to pay 3400 by 7 January. Now you say i need to pay 1189 (630.04 is past due and R559.43 over-line) I dont even know what past due means or over-line. Not once did you think let me call Mrs Spadoni and make it more personal and explain the matter. You make promise that it will be resolved by end of business and it never gets resolved. Then i hear excuses that you report once a month to the bureau and you cannot amend what you reported. The emails that you send is cold and cruel, like it is an automated response. I lost total respect for this institution. In my time of great sorrow, you were unable to resolve anything. You show no empathy. You have lost a client who has banked with you for over 20 years. It might not mean anything to your huge organisation however i can no longer do business with you. One month i pay late has *****ed my record. However you fail to note the month when i paid way over the minimum a payment. Thanks for nothing Rezona.
Absa
Absa's reply17 Dec 2020, 08:23
Official
 
Dear Rochelle Spadoni
 
Thank you for your posting.

Please accept our sincere apology for any inconvenience caused.

We have requested that our Collections department get  incontact with you.

Kind regards,
Rezona Louw 
Group Customer Care 
RS
Rochelle S's update17 Dec 2020, 10:27
Reviewer Update
Is this another automated response ? When will they contact me. It doesn't seem urgent enough for them
RS
Rochelle S's update18 Dec 2020, 08:15
Reviewer Update
Resona, No one from credit has called me yet. What is going on ??????
Absa
Absa's reply21 Dec 2020, 07:38
Official
Dear Rochelle Spadoni
 
Thank you for your posting.

Please accept our sincere apologies the late reply.

Our office tried to make contact with you but were unsuccessfull.

Please refer to or email send to your personal email address.

Kind regards,
Rezona Louw 
Group Customer Care