MP
Melissa P

1 reviews | Active since May 2019

15 Jul 2024, 12:24

13 DAYS WITH AN SMS "OFFER" AND STILL NOTHING

On 3 July 2024 I received an offer for a loan from African Bank. I continued to complete the application and the offers read as follows: R15000 loan over 18 months. R15000 credit card. R3000 NCR short term loan. R5000 without credit life and a Tech loan. I opted for the loan over 18 months. On 5 July 2024 I went to the African Bank branch in Festival Mall where a lady assisted me and she updated my email and cell number and uploaded my ID and marriage certificate etc. Around 14:00 on 5 July 2024 the application was completed and uploaded therewith was 3 payslips and statements. On 6 July 2024 to 11 July 2024 I uploaded (via the app and email) the exact same documentation 12 times. 12 TIMES!!!!! I was then on 5 July 2024 also forcefully required to open a Myworld account as the app continuously indicated I need to complete it eventhough I never opted for it but I figured it made sense if I was to obtain the funds. I continuously requested feedback and followed up but NOTHING. Not via phone or email or any platform. On Saturday 13 July 2024 at 11:04 i received an sms asking for an employment confirmation letter which was then uploaded via the app. At 11:10 i received a second sms stating please login to internet banking and accept your offer. Your application will expire in 5 days. Now this is contradicting as NO offer and I am still after 13 days struggling! On Monday which is today I received a message via hellopeter informing me that the employment confirmation letter needs to be changed as some things are to be added. Note that this via a platform for complaints and not one sms or call to request this as my app STILL SHOWS BEING REVIEWED!!!!!! This was then submitted via email to socialmedia email as given to me above, to the CEexperience email and to the Abdocs email and still NOTHING! Now right at the beginning it said 48 hours. I am now on 312 hours with NO progress and still in the exact same position as 3 July 2024. Not a single employee is taking responsibility for a lack of service. This experience has been dreadful, disgusting, emotionally draining and sickening. 13 DAYS WITH NO RESULTS so now I am ending this horrific experience. I have, last week, been placed in contact with an individual at The Ombudsman. I have written my experience accompanied with ALL emails and uploads and screenshots of all smses. I have taken photos of everything I had to submit via the app on all numerous occasions, having to submit the same things over and over. I am now finalizing my letter to Die Beeld and Citizen Newspapers, along with my posts on Facebook, Instagram and X platforms. I am also finalizing my submission of my story and experience to The Devi Show, along with the assistance of my Advocate. On Saturday 13 July 2024 it was CLEARLY STATED to accept AN OFFER that is nowhere to be found, making this an approval and African Bank needs to be held responsible and liable for a 13 day tormenting, emotional exhausting experience caused by yourselves. I have submitted and done everything I was asked every single time. You also stated on hellopeter on Saturday that and I quote "if we are unable to verify your employment details telephonically with your employer, we may request that you provide a confirmation letter " AND THIS WAS DONE TWICE ALREADY so it is IMPOSSIBLE for anything to be outstanding! IMPOSSIBLE! But your message this morning and now the one from Saturday regarding the letter is contradicting. I have waited 13 days, 312 hours and counting. I want this resolved TODAY please. But I am assuming this is being spiteful and purposefully as to want the application to expire on Wednesday. But be that as it may, if this is not finalized immediately, i will continue my submission to all platforms as stated above with the mentioning of names as I've written it all down every time I was contacted, which was twice in 13 days and twice by yourself. The sms is clear and I have done everything. I am now not responding or reading replies via hellopeter any longer as it is all **** and lies. I want results with immediate effect.

0
Replies (26)
African Bank
African Bank's reply15 Jul 2024, 12:45
Official
Your application query have been escalated to the application team
and we are awaiting update. We're giving your concern our full attention and we'll get back to you shortly.
Talk to you soon.
Your African Bank Support Specialist team
***
MP
Melissa P's update15 Jul 2024, 15:51
Reviewer Update
The day is almost at an end and yet I am still without hope and solution from African Bank's side. At 09:30 the requested updated employment confirmation letter was submitted already via email as the app did not request such and is stuck on being reviewed. I have distributed emails to socialmediaescalatio , an email address as received on a previous post and CEexperience and Abdocs without any response or completion of this matter that has been hanging for 13 days. Tomorrow is day 14 and the day after my application expires as according to an sms I received that ALSO states "OFFER" yet nothing. Please can I accept my offer today as such has been indicated. I am really at the end with no more patience or decency left.
Should I continue with the Banking Ombudsman and social media and newspapers as it seems the only way to warn people about African Bank. This has to be against a policy for an individual to struggle for 13 days.
MP
Melissa P's update15 Jul 2024, 18:21
Reviewer Update
This is your same response as 12:45 today. So you just copied the text. 5 hours later and no update. Come on. This is ****ing ridiculous!
MP
Melissa P's update16 Jul 2024, 06:06
Reviewer Update
I have sent emails to the following news outlets to share my story and experience with African Bank as I see multiple complaints the same as mine whereas the credit department are simply not doing their job as 14 days and NOTHING. How can it be indicated 48 hours when I am on day 14 without ANY update or loan and tomorrow the application expires and then I must start all over again causing more emotional exhaustion to myself as what will be different.
Nevertheless, I have sent my e-mail to: Kempton Express, IOL News, eNCA, News24 and today I'll continue with more places and social media, especially The Devi show as she'll dig right in and expose incompetence and probably so much more where people are not qualified to perform their jobs because why else would it take 14 days. But hey I know it is purposefully done this way for the application to expire which is UNFAIR as we as customers suffer for incompetence from staff.
There is not even management to speed up the process and there is simply no form of service. Perhaps it is time for consequences to be faced as you simply do not care. Since Saturday no offer but the sms clearly shows an offer.
MP
Melissa P's update16 Jul 2024, 09:52
Reviewer Update
I was now given an email of 123@ to send the updated employment confirmation letter to as apparently it has not been received after it was sent to you as per your email given over the phone last week and on my previous post. I sent it to ALL email addresses yesterday probably roughly 4 times throughout the day yet nothing was done about it. It seems like you're not here to assist anyone. You're just here to copy and paste the same answers to everyone without assisting or taking responsibility.
African Bank
African Bank's reply16 Jul 2024, 09:55
Official
I have received your document and submitted it, no need to send it again.
MP
Melissa P's update16 Jul 2024, 10:18
Reviewer Update
I had to resubmit as it was said at 09:25 this morning it wasn't received as i called the *** number
MP
Melissa P's update16 Jul 2024, 11:11
Reviewer Update
When calling at 09:25 it was said to supply an hour for an update and offer as there cannot be any further documentation outstanding as it is literally impossible. But my status on the app STILL shows being reviewed and there is no further update when calling.
Please can management step in or do something as it is my last day. Come on guys are 14 days for something that actually takes a few hours.
African Bank
African Bank's reply16 Jul 2024, 11:54
Official
I noted your earlier post and have provided a response there. Kindly confirm its receipt. ^Mash
MP
Melissa P's update16 Jul 2024, 11:58
Reviewer Update
That is absolute nonsense. Bank statements has been uploaded 7 times. This is just being on purpose as tymebank statements have been uploaded 7 times. How is it possible that after 14 days i now again am asked for this and they must open their eyes. The statements were 178 pages. They are simply lazy.
MP
Melissa P's update16 Jul 2024, 12:01
Reviewer Update
And no. There is NO wealth management account ever! That has NEVER been uploaded so they CLEARLY have the wrong client. Statements has always been from tymebank. It just shows you the incompetence and unqualified to perform this serious task. I was sent an sms stating an offer. I want it immediately. I am continuing my newspaper stories.
African Bank
African Bank's reply16 Jul 2024, 12:14
Official
Does your salary gets paid into your tyme bank?
MP
Melissa P's update16 Jul 2024, 12:19
Reviewer Update
I have AGAIN for the 8th time submitted statements of 172 pages. The sms from African Bank CLEARLY states that documentation was received and ONLY employment letter was required which was done. I spoke to African Bank on 0861 number last week and this morning and I was told my statements were 100% so how is it possible that a story is being changed? How is it possible that after 14 days, an entire 2 weeks I am asked for something that was confirmed was received and fine via sms? I was even sent an sms regarding acceptance of an offer that is nonexistent. My advocate says the sms is all we need for a case. I have all my proof of everything submitted daily over and over again from 3 July. Screenshots and photos. I am currently communicating with The Devi Show. She will definitely cause an uproar and warn South Africans. My advocate will handle the matter now. I am refusing further correspondence as all African Bank does is lie.
MP
Melissa P's update16 Jul 2024, 12:35
Reviewer Update
I saw your missed calls. I am however currently working and I am on a call with my advocate regarding this matter. I am done. Thanks
African Bank
African Bank's reply16 Jul 2024, 12:36
Official
The bank statement provided is not the one you get your salary into, kindly provide the correct bank statement to make things easy for us to assist you.
MP
Melissa P's update16 Jul 2024, 12:48
Reviewer Update
Go look again. I cannot continuously submit the same for 14 days. The smses CLEARLY reflect it was received and another sms shows login to internet banking to accept your offer. You have made my life hell for 14 days. Now it is my turn. I expect this to be sorted immediately or you suffer the consequences. 14 f@!%^ing days this AFTER everything was received as PER YOUR SMSES TO MYSELF. You said employment letter was last and now your story is changing. One way or another people at african bank will suffer the consequences of f#$!ubg up my application. I am done! My advocate will sort you out along with The Ombudsman and Devi Show. Leave me alone now because all you do is lie and change stories.
African Bank
African Bank's reply16 Jul 2024, 13:09
Official
We're genuinely sorry to hear that. We've given it our best shot to assist you , however if there isn't the correct documents provided we wont be able to assist further.
MP
Melissa P's update17 Jul 2024, 08:46
Reviewer Update
Goodday MASHUDU

Please forward this to the person responsible for my credit application.As per our legal findings and after escalation to a senior officer with the assistance of The National Financial Ombuds Scheme providing us with a senior officer within African Bank, it has been indicated that it would find out who is responsible for the delay on my application as the statements, according to proof, sent and uploaded 7 times and the last time it was uploaded was on 9 July 2024 at 14:16, GIVING CREDIT DEPARTMENT AN ENTIRE 7 DAYS TO REQUEST SUCH AGAIN WHICH WAS NOT DONE, which legally means concluded.Secondly, an sms received CLEARLY states ALL documentation received and ONLY employment letter was outstanding and was submitted on the app on 13 July 2024 at 11:44 and I was ONLY asked for an updated letter via hellopeter and NEVER via the app or sms or call AGAIN which is also wrong as I should've been contacted and requested such and NOT requested such via hellopeter. Thirdly an sms was received stating Ms van Coller, login to internet banking to accept your offer. This sms is LEGALLY BINDING and cannot be pushed aside by "conflicting messages" as you said in your hellopeter comment.So thus according to ALL factual and hard evidence, African Bank is in the wrong and severe consequences are to arise from this application as individual/s responsible did not perform their job and an application takes 48 hours and not 336 hours.Credit not once contacted me. Everything was via sms and the app. The app has been stuck on being reviewed since 13 July 2024 so it just shows you what incompetence African Bank actually holds.I am claiming emotional damage from those personally involved in this application as the names will be revealed to my Advocate as we have a right to know who was responsible for this ********** experience. I will not keep quiet and I will continue this until the end. You not once escalated this to management and so you too are responsible. No communication was ever received from credit and today being the day my application expires, after 15 days, is noted as purposefully and out of spite. I have also contacted some people who posted on hellopeter experiencing the same disgusting service as myself as together we can make a bigger impact as one alone.Thank you Melissa van Coller
MP
Melissa P's update17 Jul 2024, 08:49
Reviewer Update
And please your previous comment is bull****. You now all of a sudden want to assist aftee 15 days of complaints. The correct documents were submitted 8 times. Sms shows all documentation received and i am an approval sms so you cannot according to the law re-request again after you said it was just the letter after that too was submitted twice. Your comments are conflicting as you continuously change your messages but i have my screenshots of everything and I have escalated this so high up we'll see who is victorious.
MP
Melissa P's update17 Jul 2024, 08:52
Reviewer Update
Not once have you escalated my concerns and complaints to management. I as a client had to obtain those details myself for escalation so why are you still employed if you have no customer service and if you have no idea of how to perform your job. You are a ****** as this is purposefully done to those of light skin. I can read all the complaints on hellopeter and it is just us suffering the consequences of ***********, non trained staff.
African Bank
African Bank's reply17 Jul 2024, 13:27
Official
As per the application department escalation, this is the feedback provided.
''Please note that I went through all the pages of her bank statement sent, and I do not see a salary deposit matching the net amount for 1 of the 3 required months.

If the client were using a different bank previously, we require this bank statement showing the 3 salary deposits in order to assist further.

Kindly note, if the correctbank statement is not received we wont be able to proceed with the application.
MP
Melissa P's update18 Jul 2024, 06:47
Reviewer Update
Ofcourse my application has disappeared off the app as its day 16. Well f!@^ing done you stupid *********** sh!@s. This AFTER i had to AGAIN submit statements for a 9th time yesterday at 13:08. I will ensure you suffer the consequences. **** you! 16 f!#&ing days!!!!
African Bank
African Bank's reply18 Jul 2024, 07:57
Official
We're genuinely sorry to hear that. We've given it our best shot and hope we can find a way to serve you better next time. If you would like to chat, get in touch with us on ***. ^Mash
MP
Melissa P's update19 Jul 2024, 06:26
Reviewer Update
Day 17.
Yesterday on 18 July I received this sms at 8:58.
Africanbank: Hello MS VAN COLLER. Thank you for your documents. We are finalising your credit application and will communicate soon when your offer is ready. Africanbank Auth. FSP Reg NCRCP7638
This is the 2nd time but yet i am still waiting. This sms is clear that after 13 submissions there are NO documents outstanding yet still nothing.
Do you not feel disgusted and disgraced by the service you arr providing as its nonexistent. One can also never speak to credit as customer service just says they'll escalate the query. I am really sick of this. Do your job! We are going into a third week! F!@#ing sickening that you think you're right. That sms is clear. Please conclude this today.
MP
Melissa P's update19 Jul 2024, 10:47
Reviewer Update
Mashudu i see you're calling. I am unfortunately not available today as we are attending training until 4pm.
Please i don't wanna hear stories. 17 days and I have now provided what the smses are saying. An sms is LEGALLY BINDING so i am busy with taking this further as you as African Bank are in the wrong not myself. Even your previous messages saying something about a wealth management statement was also wrong so please i want this finalized today. The sms CLEARLY shows ALL documentation received finalising and offer. No stories. Don't wanna correspondent. Credit must rinish
MP
Melissa P's update19 Jul 2024, 10:47
Reviewer Update
Credit must finish now please