Bank Charges and Honoring Fees

On the 15th of September I asked to downgrade from private wealth to Aspire because the banking fees were RIDICULOUS and I was promised that the turn around time is 48 hours and that NEVER happened and at the end of September I was charged Private wealth service fees although the request to downgrade was done long before the next service fee deduction date.

I logged a complaint and was promised a refund since my downgrade was done well in advance, to date that hasn't transpired.

It's amazing how quick FNB is quick to upgrade, but it is a struggle to downgrade. And also how they intentionally delayed the process only for me to be charged exorbitant banking fees then promised a refund that is not coming forward.

Another challenge is the so called honoring fees ,that exceeds the actual transactions and once again, I'm promised a refund. Why does FNB ripoff it's customers like that ?

I'm thinking of moving my account, this is totally unfair and then when you go on secure chats, their service agents will swop you around just to frustrate you more.