FNB, can somebody please help me!

FNB, you are better than this - come on.

I always hear of people having no issues with their bank, then when I ask the question when last did they apply for a new account or to make adjustments to their existing products - and the answer is always never which makes sense, because if they had tried anything, that answer would change significantly!

So here I am (again).

I recently app**** for a business credit card because I have waited my 1-year mandatory waiting period before I'm even allowed to apply for one as well as to achieve another level in eBucks as it is one of the requirements.

What followed was disaster after disaster, as all things with my dealings with the bank.

Firstly, it took me a couple of hours on the phone, call centre surfing like I was on Durban Beach. One after the other, I was referred to the next agent - WHY is this? No one knows.

Finally, I get to an agent that actually knows something which he told me I need to approach my business partner. 1 year later, and I wasn't even aware I had a business partner, but whatever.

After finding out who my business partner is and contacting her, the process to get my credit card finally got underway.

But low and behold, this process took nearly 3 weeks. Best of all, I got charged monthly fees for the card, but I haven't even received it - but nobody except me cares apparently. On top of that, my credit card account went into arrears as FNB didn't set up the limits correctly.

Bear in mind, this isn't even a proper credit card. With Covid, the only option available was a top-up credit card (meaning I need to transfer money into the account before I can use it).

So my credit card, with R0 limit, went INTO ARREARS - logic people - logic! And all of this happened BEFORE I EVEN RECEIVED MY CARD!!!! I literally can't comprehend what's going on.

Ok, great. I fixed my credit card that went into arrears, I finally received my card. Great, now I can start using it! Yay? No.

1 month passes by. I used the card like a good boy. I loaded money, bought some petrol - the whole nine yards.

Now, I expect my eBucks to soar as I finally reached level 5 - which is great btw. I get my faithful SMS from eBucks to tell me I received eBucks and how much I received.

I received a WHOPPING 17eB... (R1.70)

This amount should have been close to 8000eB (R800).

NOW WHAT?????

Again, I enter the call center surfing competition (pretty sure I won 1st place, but alas no trophies were handed out). So, this got reallllyyy interesting. FNB don't take responsibility and refer me to eBucks, and then eBucks refuses to take responsibility and refers me back to FNB.

Is eBucks not FNB? Is FNB not eBucks? SOMEBODY EXPLAIN THIS TO ME

After another eternity on the call center, somebody eventually picked up and told me to lodge a complaint at the credit card division, who then in turn said it's not their responsibility and told me to send it to ebucks again.

Keep in mind, my business partner was of no help. Not sure what their role is supposed to be, but I am applying for a new one atm.

So where do we stand? Nowhere apparently. The disputes I lodged have still not been responded to, business partner is nowhere to be seen. I Give up

Every division I contact just raises their shoulders into the air and rolls it along the g****vine. I wonder if such a division even exists that can help me - who knows.

Anyways, I have wasted enough time trying to figure it out.

FNB, PLEASE HELP ME