*****ulent account and dishonesty

I’m frustrated, exhausted and very disappointed!

I went to an African bank branch in Queenstown (Nonesi Mall), Eastern Cape somewherebetween July and August 2025 to check whether I qualify for aCREDIT CARD ONLY! The agent at Nonesi branch who helped me told me I do not qualify for the credit card and I left. After few days if not a week, I received an sms alert telling me that I should go and collect my Debit card and my account is ready. I was shocked because I DID NOT ASK FOR A DEBIT ACCOUNT LET ALONE TO EVEN ENQUIRER ABOUT A DEBIT ACCOUT. Acoording to FAIS act 37 of 2002 the agent was supposed to do a needs analysis before she sell a financial product to me. She did not do that because we did not talk about the debit card let alone me approving for it to be opened under my name.

I **WENT TO THE BRANCH** to inform them that I never asked for a debit card account and the lady laughed and said it was “automatic when she tried to open a credit card account”(lie no 1). I asked her to cancel that account because I never app**** for it nor need it.

My analysis of the situation she clearly opened or sold a financial product to me without looking at my needs, also she sold a financial product just to meet her targets. That is against FICA, FAIS ACT 37 of 2002 and definitely contravene with FASCA.

She looked me in my eyes and said she will cancel the account(lie no 2) I asked her is there anything she will need from me to cancel it? She said no! She won’t need anything ( lie no 3).

After few weeks I still received the message and I called their branch. I suspect the call was answered by the same *****ulent, lying person. She said I can only cancel/close the account by **coming to their branch!** I told her that I can’t because I’m out of South Africa for business and work. I also told her that i have been to the branch to cancel that before and they told me they will do it for me. She said there is nothing they can do. I asked for a manager? she told me the manager is not available. I asked when can I call to speak to the manager? She said she is not sure when. I asked for the manager’s contacts she said they are not allowed to give out managers numbers nor contact email ( I suspect that is lie no 4). I asked her to help me submit a complaint ( the ombudsman process should start at the branch level) She told me I have to call head office ( I suspect that is lie no 5).

Now I am stuck with a financial product I never wanted let alone given a proper financial advice and analysis for. Now according to your agent I can’t cancel it.

I DONT WANT A DEBIT ACCOUNT BECAUSE I DO NOT NEED IT! African bank should cancel this account from my profile if you want me to go to the branch to cancel it then please book a flight for me from Beijing China to South Africa and a return flight together with accommodation because I did my part and went to the branch to rectify this. The agent who was trained by your institution African bank was the one at fault and ****.

Her lies constitute both ***** and dishonesty!