Loan Application

To Whom It May Concern,

I am writing to formally address an ongoing issue related to a loan application with African Bank. I initially took out a loan from your institution, but did not utilize it. On December 5, 2024, I contacted your customer service center to request that the loan transaction be reversed, which was subsequently processed by an agent. The agent assured me that there was no outstanding balance and provided a paid-up letter confirming this.

However, on December 6, 2024, I received an SMS notification indicating that the loan amount had been debited from my African Bank account and reversed back to the bank. Despite this, I have been repeatedly harassed by agents from your call center, who claim that I owe money, even though the loan has been fully reversed. I have made numerous attempts to resolve this, but each day from December 8, 2024, to the present, I continue to receive multiple calls demanding repayment for a loan that no longer exists.

I have visited the African Bank branch at The Glen Shopping Mall three times, where the Branch Manager escalated the matter to the Forensic Team. However, I have not received any updates or resolutions from this department.

As I work in a call center environment, I am unable to answer calls constantly. This issue has now been further escalated by your Debt Department, which confirmed that the transaction was reversed and that I am not required to make any payments. Despite this confirmation, I am still being harassed by call center staff, including one agent who was extremely rude. During the call, the agent insisted on knowing which bank is open at 17:00, implying that they were calling directly from the bank, when, in fact, they were calling from the call center.

I am deeply disappointed by the ongoing harassment and the lack of resolution from your team. If this matter is not resolved promptly, I will have no choice but to consider legal action, as I did not utilize the loan, and the amount has already been reversed back into your account.

I trust this issue will be addressed immediately to avoid further escalation.

Sincerely, [****ha Govender] [******* cellphone ***] [African Bank Account Number ***]