FNB Account blocked but account paid

I have been with FNB since 2014 using my business account. over the years, I eventually got a credit Card and then an overdraft.

Time went by the Credit was used to buy materials for a client that didnt pay us until to date.. We were paying back the money in dribs and drabs from other clients payments. FNB then decided to handover my credit card, then shortly after that my business cheque account with the overdraft was blocked.

I was owing R250k on the Credit Card when they blocked my cheque account. I called them and asked why they had blocked my cheque account and they said because the credit account has been handed over.

I told them I've been paying as per the payment arrangement so why did they block my cheque account. They demanded that I paid the credit card in full before unblocking my cheque account, which I told them i couldn't as the funds in the cheque account needed to be do work then when the client pays us we will then pay towards the credit card. They refused and demanded that I paid at least 50% of the balance.

I agreed, they then unblocked my cheque account. I was then able to transfer the R125k from my cheque to my credit card. Shortly after that the cheque account was blocked again. This was End November 2025.

I had since been depositing funds into my cheque account so I can transfer into my credit card like I did in November 2025, however they are now not even answering my calls in theat depoartment that needs to unblock my account, no one calls me back. When I send emails they dont respond. When I call the debt collection agency they say there is nothing they can do on their side coz they are not FNB. I tried reaching out on secure chat on the FNB app, no help there too. I have literally tried everything.

My problem is, I have deposited way more than the R125k that has been outstanding. not only that, they are debiting the interest on the overdraft monthly so the money I've been depositing has reduced. We have recently paid R60k into the cheque account but still they dont want to unblock our account so we can transfer and fully pay the credit card.

I have even been to the branch (kempton Park) still no help. instead they put me on a call that doesn't get to the relevant person, then tell me to come another day. after a few hours of queing then waiting to be assisted.

Their service since the dilemma has been not but disgusting to say the least.

FNB business is useless for SMEE's, dont even waste your time.