Disgraceful Service by First National Bank

Hi

I have a serious problem with FNB.

They offered me a Gold credit card with a limit of R4400. I used it for a couple months and maxed it out, they then made a further R3000 available to me with I used to pay of some bills. They then started sending me sms' to pay back the full amount which was an error on their part in the first place. I explained to them that I could not pay back the full amount 1 time and that I would pay them back monthly. They agreed over the phone. Then at the end of the month they debited my account with R3300 for this payment. I called the call Centre to tell them I need have this money reversed back into my account. They transfered me from department to department whilst using about R100 of my phone bill to chase them for their own error. After 4 days I got through to a agent who who's very sympathetic to my problem and said I must send an email to ********** to which I did. 3 days later FNB reversed that debit deducted monthly interest which is understandable. I then made an arrangement with them via email(which I still have) to pay R 500 a month to settle this debt and I made it very clear to them not to debit my account for the full amount. They rep**** via email saying that my debit order has been suspended. Now this month I got paid on the 23 June 2018 which was a Saturday, my first transfer was R 500 to my credit card which was agreed upon. Then come Monday, they debited my account with R1985. I was really annoyed and disappointed. I went to the bank in Durban and all they could do was do the same thing what I could do by calling the call Centre who was very unhelpful they said I must send another email which I already did the day before. As a result of this non compliance 3 of my debit orders did not go out and FNB has charged me R250 on bank charges due to non payment. This is giving me a bad rating with my other accounts due to incompetence. I am now stuck with a financial problem simply because a reputable bank such as FNB can't follow simple instructions. I have dealt with FNB for many years and have always made my payments on time. It is extremely ridiculous that they have put me in this situation.

It seems as if FNB has forgotten about their customers and good customer service. I am very disappointed!