FNB "HonFees" - account not overdrawn!!

Greetings FNB,

Being a senior citizen with an Encore Gold account I am appalled by your service. During the course of the past 3 months, FNB now has a new trick up their sleeve, "HonFees", charged due to their system clearly being affected by load-shedding and the algorithm not functioning correctly at certain times. and the consumer, in this instance must bear the brunt and pay the price. I am not prepared to be a ***gy bank for FNB ripping R405.00 from my R 2000.00 I have to live off monthly.

After doing a full reconciliation it was established that my account had sufficient funds for all transactions at all times. Having a discussion with support on the FNB app for over an hour was the worst ever, these "so-called" helpers couldn't care what they are addressing, when they feel they answered a question they merely cut the client off and the process has to be started all over again.

As a senior citizen I am NOT prepared to carry the brunt of the useless FNB system. I expect the "HonFees to be credited to my account without delay before the close of business today! Every cent. Once that is done I will do a full reconciliation of my Juny account as well because these "HonFees" have a snowball effect rolling over month after month and I now have to waste my time doing the reconciliations to prove that I am not in the wrong.

Lastly, I do not have an overdraft facility, if then, according to FNB there are no funds, return the transaction as unpaid and STOP charging these ridiculous amounts referred to as "HonFees" which I have never agreed to. FNB have NO right to charge these "HonFees" as FNB have no mandate to honour any transaction as I do not have an overdraft facility adding to that their system is out of sync.

I reiterate and emphasize the fact that I had funds in my account at all times to cover my transactions. I have it on record reconciled as well as my discussions with the support people via the FNB app.

Please refund and credit my account with immediate effect.

Regards,

D.C. Engelbrecht