**************** from RMB/FNB

I really feel cheated by RMB on the charge of R200 "#Item Paid No Funds" on the 9th of January 2023. I had always reserved funds in December and January to meet my debit orders and outstanding authorizations. This penalty fee was for the MiWay debit order of R1298,99, but from the SMS that I got on the 8th of Jan at 11:29 it states "RMB Private Bank:-) Paid from a/c..630016, 08 Jan: R1298 ***; Avail R393." This is what was on my app on Sunday and it doesn't correspond with what is on my App now; that the running balance was R-231,14 when Miway debit order went through. Why is the information on the sms different and was the account not overdrawn when this sms was sent? When did you decide to make the account overdrawn? I called RMB on the 10th of Jan to enquire about this, the lady could not assist me. She gave me a Cheque and Debit Card Dispute form to fill, but this issue was not on the options on the form that was given to me. Today, 13/01/2023, I spoke with Zamajama via Secure Chat. She could not explain this. She told me that there is outstanding card authorization of R195 which I am not aware of and she couldn't tell me where it is from. There is a pending refund of R820 which I am also not aware of, and she couldn't tell me where it is from. She said I must wait until these transactions are banked. I never got sms's for these transactions. You can refer to the secure chat message.

RMB is doing a **************** by charging me an R200 fee when the account was never overdrawn and I had provided for all my debit orders and outstanding authorizations. This has put my account in bad standing and thus affected my possible eBucks earnings for this month (about R450). I really feel cheated by this bank that I love so much. I am sure Investec would appreciate me as a customer.