OB
Orlene B

1 reviews | Active since Mar 2025

02 Mar 2026, 15:58

Unauthorised DebiCheck deduction and Regulatory Compliance Concerns

An unauthorised DebiCheck payment of over R9 000 was processed against my account without my approval. This deduction was not authorised by me, yet the amount has still not been reversed despite the matter being raised with the bank. I would also like clarity on who authorised this DebiCheck instruction, as no consent was provided by me. The lack of urgency and resolution is extremely concerning, especially given the regulatory requirements around DebiCheck authorisation and customer protection. This situation seriously makes me question African Bank’s compliance with regulatory requirements and how these processes are being monitored and regulated. I would like African Bank to urgently investigate this matter, provide a clear explanation as to how the deduction was allowed, confirm who initiated and authorised it, and process an immediate reversal of the funds.

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Replies (10)
African Bank
African Bank's reply02 Mar 2026, 16:17
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
OB
Orlene B's update03 Mar 2026, 11:07
Reviewer Update
You have made no attempt to contact me. I have no record of any calls from African Bank, and my emails remain unanswered. An unauthorised amount was debited from my account without my consent. This constitutes improper conduct. Reverse the full amount immediately and confirm in writing once this has been done.
African Bank
African Bank's reply03 Mar 2026, 13:04
Official
Thanks for speaking up and calling us out. We're giving your concern our full attention and we'll get back to you shortly.

Talk to you soon.

Your African Bank Support Specialist team
***
OB
Orlene B's update04 Mar 2026, 10:22
Reviewer Update
Thank you for the response, however I find it concerning that you state you are giving this matter your “full attention”, yet 12 days have passed without any resolution.
An unauthorised debit was processed from my account and transferred into an African Bank account without my consent. This is extremely serious and raises concerns about how African Bank is handling customer funds. From my perspective, this amounts to *****ulent conduct.
At any other bank in South Africa, a debit order reversal request is typically processed within 24 hours. The fact that this matter has remained unresolved for nearly two weeks is unacceptable.
It is also concerning that several African Bank staff members appear to lack a clear understanding of compliance requirements and how DebiCheck authorisations work. A DebiCheck debit order requires explicit customer authentication and approval, which did not occur in this instance.
This situation makes one question how safe one’s money is when it is held in or transferred to an African Bank account.
I again request that the unauthorised debit be reversed immediately and that written confirmation be provided once this has been done.
African Bank
African Bank's reply04 Mar 2026, 15:46
Official
Hi Orlene, I noted your earlier post and have provided a response there. Kindly confirm its receipt.
OB
Orlene B's update04 Mar 2026, 16:21
Reviewer Update
After reviewing other complaints, it appears that the practice of deducting money from clients’ accounts without their permission may be more common than it should be. This is deeply concerning and raises serious questions about the bank’s practices. Such actions could be considered *****ulent and should be properly investigated. The bank also needs to ensure that its employees are adequately trained and knowledgeable, as it is troubling when ********* practices appear to be justified.
African Bank
African Bank's reply04 Mar 2026, 18:51
Official
Thanks for speaking up and calling us out. I've tried calling you, but there has been no response.

We hope to talk to you soon.

Your African Bank Support Specialist team
OB
Orlene B's update04 Mar 2026, 19:30
Reviewer Update
You called at 18:48, my phone rang for only a second. it was obviously done to show that you called so that you could reply and mention that you tried to call me but there was no response. Why would you even call at this time and what response were you expecting in one second?
OB
Orlene B's update05 Mar 2026, 09:52
Reviewer Update
Please email my application so that I can verity this.
African Bank
African Bank's reply05 Mar 2026, 17:59
Official
Thanks for speaking up and calling us out. I have contacted you however we could not verify your details. Please follow the process provided via telephone.

Your African Bank Support Specialist team