Fnb *****

We refer to the above-mentioned matter which was reported to the FNB ***** Department (hereinafter referred to as “us”, “we” or “the Bank”) on the 31st of May 2018. Our understanding of your complaint is that on the 31st of May 2018, there were payments processed from your account via the Banking App platform. In your report, you advised that you received an email purporting to be from the Bank advising you to upgrade your FNB account for the new online security. The email further advised that a circular was passed by the Reserve Bank and to continue using Online Banking services you had to click on the link for the upgrade and to avoid deactivation of your internet banking services and ***** mitigation. You confirmed to having clicked on the link. You further confirmed that you received the One-Time-Pin (“OTP”) which was sent to your cellphone number ********** 251 and entered this OTP on the link. The OTP was used to link a ********** Banking App. The ********** transactions processed were to the value of R5, 000.00 (Five Thousand Rands Only). Unfortunately, there were no recoveries and therefore the loss is for your account. The Online Banking event logs on your profile show that there were no changes made to your Online Banking username and password which suggests that the perpetrator/s were armed with your login credentials which enabled them to process the payments. We can therefore only conclude that you knowingly or unknowingly disclosed these details to a third party. When you access and make use of your Online Banking profile, you agreed to accept, adhere to and be bound by our Online Banking terms and conditions (“the Remote Banking Agreement”). We therefore kindly draw First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Reg. No. ***. FNB DIGITAL BANKING FNB DIGITAL BANKING FNB DIGITAL BANKING FNB DIGITAL BANKING FNB DIGITAL BANKING FNB DIGITAL BANKING FNB DIGITAL BANKING FNB DIGITAL BANKING FNB DIGITAL BANKING FNB DIGITAL BANKING FNB DIGITAL BANKING FNB DIGITAL BANKING ***** DEPARTMENT***** DEPARTMENT***** DEPARTMENT***** DEPARTMENT ***** DEPARTMENT ***** DEPARTMENT***** DEPARTMENT ***** DEPARTMENT***** DEPARTMENT***** DEPARTMENT***** DEPARTMENT Second FSecond FSecond F Second FSecond FSecond FSecond Floor loorloor FNB BuildingFNB Building FNB Building FNB BuildingFNB Building FNB Building 1 Enterprise Road1 Enterprise Road 1 Enterprise Road1 Enterprise Road1 Enterprise Road1 Enterprise Road1 Enterprise Road1 Enterprise Road1 Enterprise Road 1 Enterprise Road1 Enterprise Road 1 Enterprise Road1 Enterprise Road FairlandFairlandFairland FairlandFairlandFairlandFairland ********** ********** 70 Email: Email: Email: Email: Email: ********** ********** ********** ********** ********** ********** ********** ********** ********** ********** ********** ********** ********** ********** ********** ********** ********** ********** Web: Web: Web: Web: www.fnb.co.za www.fnb.co.zawww.fnb.co.za www.fnb.co.zawww.fnb.co.zawww.fnb.co.za www.fnb.co.zawww.fnb.co.zawww.fnb.co.za Tel: ********** Tel: ********** Tel: ********** Tel: ********** Tel: ********** Tel: ********** Tel: ********** Tel: ********** Tel: ********** Tel: ********** Tel: ********** Tel: ********** Fax: 011Fax: 011Fax: 011Fax: 011Fax: 011 Fax: 011Fax: ********** ********** ********** ********** ********** ********** ********** your attention to our terms and conditions, which are available on our website www.fnb.co.za. A copy of the terms and conditions can be made available to you at your request. We urge you to protect your Online Banking access details i.e. username, password and OTP’s and not to disclose these to anyone. Do not write down your access details or pin for your card on a piece of paper. Do not use any links on any communication you receive (rather type www.fnb.co.za directly onto your browser search bar) and ensure that the device you use for banking purposes is well secure from malware (spyware). See our security page for further security information on safe Online Banking tips, available on www.fnb.co.za. The Code of Banking Practice of South Africa applies to us; therefore, should we not resolve any dispute to a client’s satisfaction; we must advise that you seek further resolution of your complaint at the office of the Banking Ombudsman. Please find below the Banking Ombudsman contact details: Postal Address: P.O. Box 87056, Houghton, 2041 Telephone number: +27 11 712 – 1800 or Share call ***Fax number: +27 11 483 – 3212 E-mail and Website Address: ********** and www.obssa.co.za Yours sincerely, Kim Mitchell FNB Digital Banking - ***** Department Transmitted electronically without signature the above is what they have email me today, im so emotionally drained, fnb email can turn to being a *****, how the hell does that happen? fnb its taking advantages of customers, making fool out of us