1 reviews | Active since Oct 2012
Disputed debt from a dormant FNB account
I had a cheque account with FNB account which I last used more than 3 years ago, as per the FNB agreements the account would have been classified dormant by now. According to FNB an account is classified as dormant if not used for more than a year. The bank has continued charging fees even though I had not used it for more 3 years. During this time, I have never received any communication or formal letter in my address as it is required under the code of Banking practice.
I app**** for a home loan at FNB on the 8th of March 2021 of which I received a decline letter on the 9th March 2021 with a reason that one account has been conducted in an unsatisfactory manner. I enquired with the consultant who was responsible for application and provided me with a contact number ***) DBA Account disputes. I have been trying to call the number since 9th March 2021 to no avail.
The next thing I received a call from a debt collector on the 15th March 2021 that I have been handed over by FNB. This happened because I had app**** for a home loan at FNB on the 8th March 2021. The debt collectors stated that I owe the bank an amount of R8,100.62, This is an outrageous claim by FNB to say that I owe them this much. When I asked for documents detailing this amount, they indicated that they are not allowed to give the details and therefore should call FNB directly. In the past 3 years FNB has never contacted me about any outstanding fees I owe the bank. Why is the bank handing me over only after I had app**** for home loan? When were the bank planning to contact me regarding the debt? Why did the bank hand me over to the debtor collector when they have never tried to collect the debt directly from me? Who will be responsible for the debt collector’s fees?
The bank need to contact me urgently to resolve this matter and I will lodge a complaint with the ombudsman as bad practice by the bank.
I have been waiting for the investigation outcome which was supposed to take 7 days, it is more than 7 days and no feedback on the investigation. I have been trying to call the lady assigned to the case with no lucky for the past week I even sent a follow up email and she has not rep**** to any of my communication. Even the documents she sent me do not make sense and they are in odd months, which by now I should have the outcome and reasons why the account was not made a dormant account.
I am still waiting as this was labelled "HIGH PRIORITY" case by I am not receiving any high priority response.
Regards
Still angry and disappointed
I have been waiting for the investigation outcome which was supposed to take 7 days, it is more than 7 days and no feedback on the investigation. I have been trying to call the lady assigned to the case with no lucky for the past week I even sent a follow up email and she has not rep**** to any of my communication. Even the documents she sent me do not make sense and they are in odd months, which by now I should have the outcome and reasons why the account was not made a dormant account.
I am still waiting as this was labelled "HIGH PRIORITY" case by I am not receiving any high priority response.
Regards
Still angry and disappointed