LD
Leandra D

1 reviews | Active since May 2019

21 May 2019, 03:03

Still not resolved...

African bank contacted me with numerous offers, 3 x loan offers or a limit increase on my credit card which I have for 5 years now without missing 1 x installment in the past. I have always been a loyal payer and kept my name clean. They told me to go to the branch to complete my application which I did, I handed in all requested documents, payslips, bankstatements, employment confirmation, proof of residence, id documents, etc. I even signed a pre contract giving me the limit increase and monthly installment which I qualified for. After a 2 day waiting period my "application" was rejected, why would they send me offers and let me go to the branch, telling me exactly what I qualify for according to my payslips and bankstatements if I actually don't meet the criteria?? My application got rejected becoz my latest salary was not paid via EFT but with the exact same method on an Fnb app. After rejecting the application I added a review on Hello Peter about the matter telling them that they can contact my employer to confirm the salary payment. African bank then contacted me, telling me that I should go back to the branch and tell the assistant to re capture my loan application, the will re assess it. I get to the branch to sit there for another 2hours because no one knew about the person contacting me and re capturing my application. They also said that they have no recording of the phone call and can't assist me any further if I can't tell them who phoned me. Eventually after another complaint on hello Peter the same person contacted me again and I requested they phone my assistant at the branch to give her the necessary info to re capture my application. That was done within minutes and my assistant asked that they put it on black and white in writing stating that she can recapture my application and that they will make sure it gets approved by management and not the branch. After several times that I had to go back to take a letter of employment, which was "incomplete" including my employers contact details, stamp of company and signature, I had to go back to the branch to get a form for my company HR to fill in exactly what my company letter stated. They told me that was the final step of the process. In all this took 2 weeks, costing me to drive up and down getting the requested documents, sitting in the branch, waiting etc. And after the promises and all the above mentioned, I got rejected again today. Saying they will give me a reason within 5 working days and that I haven't met their assessment criteria. Why would they send customers offers and make us go sit in a branch days after days with false hope even signing the pre contract and debt cover policies if we don't meet the criteria. I have been a loyal customer and always paid my installment on time. Making empty promises and rejecting me twice is unreasonable. I have a steady income and employment have been confirmed not TWice but Four times?? I am really disappointed and won't recommend anyone to get high hopes when they receive offers from African bank. I just want to say thank you to Jane at the Silverton branch in Pretoria for doing her best with my complaints and application, always friendly while I was impatient and frustrated. She really deserve a raise, through all this time and all the drama she was friendly and helpfull, smiling all the way. Thank you Jane, you are a great assistant!!! This is a huge problem and I hope African bank can resolve this in a positive manner else I can't see a future for them.

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