"African Bank misleads clients into taking credit!"

I visited the African Bank branch at Northmead Mall in Benoni on the 27/10/2018 for a Credit card application I was assisted by an Intern by the name of Mathandazo Mabuzo but at that time I was not even made aware that she was an intern I only found out at a later stage when I noticed that there was a shortage in the credit card funds that I app**** for. When I was at the branch I was told that I qualified for R105 000.00 Personal loan and also a R57 000.00 Credit card I then requested a R10 000.00 credit card and Mathandazo offered me other products and I clearly told her that I was not interested the only thing that I needed was a R10 000.00 Credit card, The Consultant then respected my requested and processed my Credit card application for R10 000.00 which was approved.

Mathandazo Mabuza then asked me to go get my Credit card from her Manager Mmasape Sekhololo known as "Gloria", when I got to her Gloria's desk she noticed that there was a mistake on my application Mathandazo the consultant swap my name and surname around then my application had to go back to Mathandazo so that she can rectify the error that she made on my application, I could tell that Mathandazo didn't know what she was doing and her manager then processed with my application and I was told that it would be approved after 24hrs, And surly the next day I received a notification that my Credit card was approved for R10 000. The problem then started when I used my Credit card I noticed that not all the funds that I app**** for were in the card, Then the on the 29/10/2018 I decided to go to The African Bank in Newtown to enquire about this.

When I explained my story to one of the consultant she then didn't understand how this could have happened, she then asked for my I.D then she confirmed that I was approved for R10 000.00 but also noticed that only R4300.00 was disbursed to my Credit card but when she viewed my application she noticed that there was a consolidation done on one of my loans for R4801.00 and surprisingly enough that was not communicated to me and when Mathandazo asked if I would like a consolidation I refused and she confirmed that it wont be done and I can still get the R10 000.00 without the consolidation and she didn't even request a consolidation letter from me.

The consultant at Newtown also revealed that the girl that assisted me was an intern and maybe she made a mistake, as I was in the branch I called the African branch in Northmead and I spoke to the manager and she told me that the consultant made a mistake on my application and she apologised and said that she would have it fixed, but what makes me furious is the fact that this Intern was not even being supervised and now I have to be in convinced because of her mistakes. I told the branch manager that it's either they contact the bank that they mistakenly consolidated and give them instructions to reveres the funds back to my Credit card cause this was not my instructions this was their own negligence and for the fact that she was not even FAIS compliant she was supposed to be supervised by her manager to avoid such mistakes.

What I expect from African Bank is for them to reverse the funds that they used to consolidate my loan without my concern back into my Credit card cause this loan is almost paid up and I didn't want it to be consolidated. Cause now they are telling me to pay back the full amount with the charges included and then they can close the Credit card and do another application for me and they know very well that this is going to affect my Credit score nxa!