FNB covid 19 “relief” **** benefitting off a pandemic

Please be aware of FNB’s covid 19 “relief” product. It is nothing but a public facade so that they could say that they “helped” their clients during this pandemic. I app**** for the covid 19 relief fund thinking that it will come in handy as a credit facility should I need access to extra funds as my income was brought to a standstill due to lockdown. Once the account was opened I tried to transfer some cash into my cheque account only to find out the money is not accessible. Upon inquiry i was told that I am unable to access the money and how this actually works is that FNB will use this covid relief funds to cover their own FNB related debit orders only. For example if you have a bond through them or a credit card then the installments for these products will be covered from the relief account. In essence they have given you a loan to pay only themselves and start charging interest on the full amount of the relief package even if it has not been used yet! The idiot at FNB who designed this should be fired! It is pure exploitation of people who find themselves in a vulnerable situation. In my case personally I had no FNB credit obligations except my credit card which I managed to pay myself, I didn’t require relief on that. I tried to close the covid fund and was told I need to pay back and amount of R1200, I enquired what is it for and was told that FNB was covering my monthly cheque account fee from the relief fund for 3 months which added to around R500 and the rest is interest! What a nefarious product, absolutely the worst type of person similar to ****** can design such *******. I am so disgusted with FNB, this pandemic has exposed them for what they are. Why couldnt FNB simply give a payment holiday on their products instead of this idiotic mess of a fund? Was it to look good like you doing something to help? Or perhaps a sinister plot to benefit off the peoples misfortune? The authorities seriously need to look into this oppenheimer plot. My home loan is with Standard bank and they simply gave me a payment holiday, they even extended it for another 3 months. Thats what you real help!