SG
Somashan G

1 reviews | Active since Jul 2016

09 Jul 2024, 15:30

AFRICAN BANK WORST CREDIT ASSESSMENT TEAM EVER IN BANKING HISTORY

Worst experience ever. On the 20th of June 2024 I was pre-approved by African Bank for a credit card. All proper documents were submitted however every day the required me to re submit the documents which i did. I followed up with them continuously only to be told that it would be sorted out by the end of the day. On the 4th July 2024 the application disappears from my internet banking. Called African bank to ask what happened, was advised that the application has expired, cannot understand how as the day before it was being reviewed by their credit department. The young lady who was assisting told me to reapply, i did so and was given a different offer amount. Now with this new application the same process is happening again. Either African bank has the most useless credit assessment team ever in banking history or they are too scared to either approve or decline an application. WORST SERVICE EVER. DO NOT EVEN DESERVE A STAR

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Replies (6)
African Bank
African Bank's reply09 Jul 2024, 16:04
Official
Thanks for speaking up and calling us out. We'd like to call you and listen to your concern in detail, but we can't get hold of you. Please give us a call on ***so that we can get to the bottom of this.
We hope to talk to you soon.
Your African Bank Support Specialist team
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SG
Somashan G's update10 Jul 2024, 07:47
Reviewer Update
Calling ***do not help, all they do is escalate the query. Can I have a senior manager detail to contact.
African Bank
African Bank's reply10 Jul 2024, 09:22
Official
Thanks for speaking up and calling us out. We'd like to call you and listen to your concern in detail, but we can't get hold of you. Please give us a call on ***so that we can get to the bottom of this.

We hope to talk to you soon.

Your African Bank Support Specialist team
***
SG
Somashan G's update10 Jul 2024, 13:38
Reviewer Update
got the SMS
rep**** yes
and waiting
SG
Somashan G's update11 Jul 2024, 08:42
Reviewer Update
A representative from African bank called me yesterday afternoon to discuss my unhappiness with their bank. To be very honest i was too upset to entertain her.
Let me give you guys the run down about what exactly happened between myself and African Bank and my reason why i would NEVER use them or recommend them to anyone. My salary is made up of commission and basic. Our commission is paid over to us once the business receives it can be daily, weekly whenever. On the 20th of June 2024 i app**** for a credit card, to be pre-approved, i submitted all my documents via the app, 123@africanbank email including the abdoc email address. Their call centre staff acknowledges the documents however their credit staff will request for the documents to be resent, from the 20th June until the 3rd July every day they did this to me and the fool that i am i will send it hoping and waiting. Finally, on the 4th July 2024 the application disappears on their app. I call in and a young lady tells me that the application has expired -(what nonsense) because if someone is working on it, it should not expire. She further tells me that she would do a new application, i agreed, with that been done, the amounts differed from the original application, i am not too concerned as i did not require that much in the first place. So this young lady tells me that i am pre-approved again and she goes ahead. On Friday i get a message requesting bank statements i send it off, Saturday again same request, i send it off. On Monday the young lady calls me and advises me that my application has past verification and affordability and is now with the Forensics team to ensure all is above board. i am now quite pleased because i am presuming this is only a process and there is nothing to worry about. I follow up on Tuesday another agent tells me that the previous person was talking nonsense. It is still at the affordability section and they require bank statements again. The fool that i am sends it again. Now on Wednesday 10th July i call in to follow up and another person tells me that the application is at the contracts department and in an hour i should have a final contract, i follow up in an hour and someone else tells me its at the affordability section. Finally, at about 3pm i get a sms to advise it was declined because they could not determine my exact income from my bank statements. A minute later a lady from the complaints department calls me to chat by now i am fuming i tell her do not waste my time and cut the call. The young lady who did the second application her name is Thabiso Mannamela.
THE MOST USELESS BUNCH OF PEOPLE WORK AT AFRICAN BANK. ****S, ****S ****S.
DO NOT DO BUSINESS WITH THESE PEOPLE THEY WOULD GIVE YOU A HEART ATTACK OR BLOOD PRESSURE.
AFRICAN BANK PLEASE DO NOT EVER CALL ME OR TRY TO JUSTIFY YOUR BAD SERVICE.
African Bank
African Bank's reply11 Jul 2024, 10:40
Official
We're really sorry that you still feel unhappy, but unfortunately we have to stand by our decision this time.
Your African Bank Support Specialist team
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