*****.

I’m posting publicly because I have had no proper feedback on my ***** case and need this escalated.

I disputed unauthorised card transactions totaling R17 000 (between 25 May 2025 and 28 July 2025).

The problem:

On 9 January 2026, during Secure Chat with FNB Card *****, I was told my case was still under investigation.

Only after that was I provided with a rejection letter allegedly dated 11 August 2025.

This is not a minor admin issue. It goes directly to:

- procedural fairness - record accuracy - credibility of the investigation process

I am told the transactions were processed via a registered device.

None of these transactions were conducted or authorised by any of my devices.

Saying a transaction was technically possible is not the same as proving client authorisation.

Neither was there a single call about the slew of very obvious *****ulent transactions like R2 585 at a carwash.

No feedback on emails:

I have requested a written explanation and investigation basis, including:

-device identifiers -authentication method used -transaction routing/security checks -basis for liability decision -explanation for the failure to communicate the rejection outcome

Zero feedback from FNB.

At this stage, I am asking for a fair, transparent, fact-based review of the claim — not a generic rejection and contradictory case status.

It’s absolutely ridiculous that your authentication systems fail and clients are held liable.