FNB - False personal banking experience and mismanagement of funds

To whom it may concern

This is my third attempt to get the issue resolved with FNB.

1. FNB allocates a credit card facility to me which I have not agreed to, approved or sign up for. 2. FNB charges a R175 activation fee, yet I did not activate the card or have it in my possession. 3. I accidentally transferred funds to the credit card which I eventually transferred back.

However, FNB HAS NOW DEDUCTED THE MONEY FROM THE CREDIT CARD WHICH WAS NOT THEIR FUNDS TO DEDUCT ANYWAY.

I have put in numerous requests to have this corrected.

1. Is it legal to advertise for a service that is actually not provided? Like a personal banking experience is a personal "Bot" experience. 2. When an email is sent from a division, it is not anymore personal because it is a non-returnable email address.

Does FNB want to do business with their customers or are they just gaining more customers through their numerous advertising campaigns and prompts on the banking app that customers who have been loyal for several years are just blatantly being:

1. Ignored 2. Funds are mismanaged 3. ******* assignment of credit facilities.

I do not want another call from someone who is unable to resolve the problem. Close the credit facility and set the balance of the funds correct.