FNB - Clients Award for the most useless bank in South Africa!!!

Right. I have spent the past week sending emails to FNB, calling FNB, and sending secure chats to FNB. I have asked them WHY they have sent me a threatening letter regarding a "Notice for Submission of Adverse Information at the Credit Bureaux" and I quote from that letter:

"1. We advise that you are in default under the OverDraft credit agreement. 2. We hereby give you notice of our intention to supply adverse information in respect of your default, the arrears amount and the total outstanding balance to a credit bureau upon expiry of 20 (twenty) business days from the date of delivery of this notice. 3. In terms of the NCA adverse information includes: • Adverse classifications of consumer behaviour, like “delinquent”, “default”, “slow paying”, “absconded” or “not contactable”; • Adverse classifications of enforcement action taken by the credit provider against the consumer, like “handed over for collection or recovery”, “legal action” or “write-off”; and • Adverse listings in the payment profile of the consumer Yours sincerely,

First National Bank"

I have been a loyal client of FNB's for more than 30 years. I have only taken out loans that were APPROVED - BY FNB. This past month I repaid a Covid loan IN FULL that I've had for over 5 years that I was forced to take when the ANC government told us all to close up our businesses for the **** pandemic. Did I get a thank you for repaying my loan? NO. Did I get an appreciative letter saying we thank you for your business? NO! I get this F****** letter saying you are going to trash MY name and trash MY credit score because of a personal loan FNB allowed me to take out MORE THAN 6 MONTHS AGO! FNB helps themself to MY money in MY account in the form of a debit order EVERY SINGLE MONTH! Who the hell is in charge of this bank because I am ready to dump FNB in the G*D DAMN toilet where they belong because I just get ignored. I get a hold of someone and they tell me it's not their department. I get a hold of my business banker and she says she is not allowed to help me because this relates to my personal bank account. I sent a secure chat asking why I'm getting this letter and I get a response back saying "there is no acccount in arrears"?! ***???

I would appreciate a HUMAN BEING from FNB contacting me as soon as possible, and I expect a formal written apology from FNB, admitting that FNB is in the wrong, if they think that I have overdrawn my loan - THEN WHY DID FNB LOAN IT TO ME?