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I app**** for a Cr Card in November 2017 which was approved and declined at final stage. I find this strange as I have no dealings with Absa and when I did al accounts were paid and closed, which should've ended 2015. I went from Collections, to Recoveries to Debt Review, The hold on Absa's system is for an old Personal loan account which was paid up.

22 December 2017 : Debt Review Department - Spoke to Kayla, she advised that the account is with them and there is a refund due, therefore the refund needs to be paid before anything can be updated on the system, wait 3-5 days for the refund. 02 January 2018 : This is just one day that I chose to record the events out of pure frustration. 10:30AM : Debt Review Department :Not seeing a refund I called again, spoke to Tabitha, she checked the system, which now shows upon further investigation the account in not with Debt Review but Recoveries and they would need to action refund, maybe when they figured this out a courtesy call to the client would have helped? 10;46AM : I then got transferred to Recoveries, after explaining the entire story again to a really nice agent Busisiwe, she advised that there is no way this account is with them 10:52AM : Still on hold while Busisiwe transfers me back to Debt Review and she attempts to speak to the agent first to update them. 10:58AM : Still on hold : Spoke to Katlego, who is trying to dissect the situation 11:08AM : Still on Hold: Katlego advises he is still trying to assist 11:15AM : I gave up, asked for an email address or call back when the Debt Review department can figure out between their 2 systems who they can identify to update it. 11:35AM : Lodged a query with the Action Line - hoping for a faster response ref **********

What is really sad is that some of us that do pay these accounts only to find out years later of a system error or an individuals oversight. Absa was getting their payments, even when the account went into credit, could no one from the department tried to contact the client to advise? Yet if I chose not to pay I would be getting 15 calls a days asking for the money.