Repetitive unauthorized debit

I have learnt the hard way and I will not repeat the same mistake of taking a loan with African Bank. My credit profile is negative due to African Bank debiting my account twice within 2 weeks while the account is up to date and the debit date has been confirmed several times, and African bank themselves confirmed and promised that they will not repeat this same mistake of unauthorized debits but yet they did, this is not acceptable, an apology does not rectify my credit rating especially when repeated more than once.

I paid a double amount to African bank via the phone on the 26th of April after a consultant "phoned me" and insisted its the best way to pay instead of going to the branch or waiting for a debit and she confirmed that "there will be no debit that will take place because that was my worry and i questioned her to make sure that no debit will take place esle i can just wait to pay at the bank and she assured that everything is recorded and updated on their system and once i pay, the debit will be removed for the month.

So then I decided why not, everything was secure but surprise surprise, my account was debited on the 28th of April, so i had to call African Bank in with my airtime and even though you stay on the line for half an hour, they do not phone you back after they hang up so i call again then they refunded my bank charges as they realised for sure that they did an incorrect debit for an account that was already up to date.

Surprise again, on the 7th of May ANOTHER DEBIT! for what when the account is up to date, so i called on the 13th of May and spoke to Saphira who first told me I must request a transactional statement or charges statement from standard bank, this would mean me again going through the hustle of contacting my bank for an error that African bank has done twice, not only that, to put the cherry on top, I also have to wait 72 working hours for African Bank to look into the matter for this to be resolved, (Note: during this time, my negative credit profile will be sky rocketing). So after realising that I am just not getting anywhere with the consultant and time is moving, I asked to speak to her supervisor, then I was put on hold, then after some time was told im going through then the phone hang up, im not surprised though.

I called again just after the phone hung up because they do not phone you back unless if they are following up on a payment, (remember im not only requesting for a refund, but i need African Bank to stop debiting my account whenever they feel like while the account is up to date). This time I sopke to Dthayelo who I had to give a summary of the issue and I asked to speak to the supervisor, at least she did not keep me on the line for long asking further questions, gladly, so I was put on hold, she came back and informed me the supervisor Mnatwana Masondo will phone me back as she is in a meeting. I asked if she will be phone back and she confimred yes. So i made sure my phone is on a loud ringtone and next to me the whole Friday exepcting Mantwana Masondo's call as promised.

I think by now, one can understand wny i came to write a review, because the call never came through, maybe it will, but imagine the impact of having to wait for call so that you dont get "we tried to call you and you did not answer". Take note, i have wasted 1 full hour phoning African bank, they will not call you back even though the phone drops unless maybe if they are following up on a payment they will definately call you back but for errors that they do, they will put you on hold for so long then the phone hangs up then nothing resolved.

Afrcan bank does not have anything to lose when they treat customers terribly like this because we are just one in a million but this does not give them the right to do unauthorized debits on customer accounts and impacting personal credit profiles. I am actually disappointed as i viewed African Bnak as one of the most reputable FSP but i was wrong. After my terrible experience, I have decided to have a look at the reviews of African bank just to make sure that this is not a trend and wow and i have not come across any positive review about African Bank, only disappointed customers exeperiencing the same issue as mine, I hope the shareholders of AB relook their customer relations and services structure to conduct busniess in an ethical manner.