African bank BAD BAD BAD SERVICE

Really, this one star I would not even give African bank because their service is pathetic

I have 2 loan accounts with African bank.

In 2018 I have made an arrangement with them to pay each account with the amount of R400 respectively on the 27th of every month when I get paid. Their tracers came to my work and swiped my bank card to assure that the debit orders goes off.

At the end of January I knew that I would not have any funds in the Nedbank account so I've transfered R400 per African bank account to African bank to make sure my account is paid.

On the 1st of February some funds went into my account and low and behold African bank debited my account with 4 debits of R400 respectively. I have contacted them demanding my money back. They have asked me to email them a statement and a copy of my identification document.

This morning I chatted with an online consultant on the Nedbank app to block the debits and Melissa told me that I can block it on my app myself; its not like she really tried to help me. So I tried reversing the 4 debits and only 1 out of 4 could be reversed. As soon as the 1 was reversed African bank debited my account immediately again with R400. This looks like an ongoing thing which means that African bank will take all funds available and just debit everyday as money goes in my account not keeping in mind that the agreement states on R400 per account (which is only 2 accounts) per month which they 've received on the 25th of January already. With every debit that goes off I receive this text message 1st account ''Hello Mrs Davids. As we agreed by phone, a fixed amount of R400.00 will be deducted from your bank account, account reference number ********** 004 on the ********** 7. If you have any questions, feel free to call us on ********** . Auth. FSP Reg NCRCP5 RDC91017/16'' 2nd account "Hello Mrs Davids. As we agreed by phone, a fixed amount of R400.00 will be deducted from your bank account, account reference number ********** 003 on the ********** 7. If you have any questions, feel free to call us on ********** . Auth. FSP Reg NCRCP5 RDC91017/16" How does African bank expect clients to honor payment agreements if they are sending future dated messages but debiting in the present. This does not make any sense and it is *********.

I have logged a dispute and request for refund and this is the text message I've received "Hello Mrs Davids. We are working on your refund request and will give you an update by 11/02/2019. Your reference number is ********** . If you have any questions feel free to call us on ***or visit your nearest branch. African Bank Auth. FSP Reg NCRCP7638 RDC91017/16" Why must I wait another 10 days for a refund of my money if African bank debits my account immediately.

Please look at the date of when the next debit must go off but African bank is debiting my account every day.

Thus far African bank debited my accounts 5 times over two days that is besides the transfers I have made at the end of January.

I am so ****ed off right now.