FNB how CANT we help you...

Hi guys, please help...

My car was broken Into and the guy cleared me out. From hidden compartments, to the sealed and covered boot. He took everything... incl my wallet which was in my lunch bag in my boot. I was parked in Kloof Nek road cape town, a road that is quite busy. At 20h00, caught on cctv, a man broke into my car.

After I came out at 9pm I saw the damage. I went to the police station and reported the theft and the damage. Showed the cops the footage and they gave me a case number.

I then saw 2 transactions go off my account totalling about 6000 rand. Yes, I didn't realize at the time because I was more focused on reporting the theft and worrying about my car with a giant gaping hole where the window use to be.

That theft took me into overdraft. I reported the ***** to FNB who the next day said, money is gone but being investigated. For ref, it was my debit card. And before anyone asks, no it did not ask for a pin or otp on my phone but some how they swiped it and did a shop to shop transfer on a Nedbank machine. (Info from fnb) they have admitted that even they are stumped as to how it was done... that to me has told me that you know where and what happened but either Nedbank is stopping you or your investigator didn't do their job.

For payments to fix my window etc, i used a virtual card on my phone to pay to have the window fixed.

Trusting fnb will investigate the matter.

To my shock and horror, i called today to find out about any progress only to hear the matter had been closed and no ***** found because they say "it's a chip and pin card and therefore the card was in my possession when the money was ******". Not once did i receive a mail, a whatsapp, a phone call (except when they trying to sell me life cover) and say I am responsible for paying the cash back to the bank...

I have proof of police reports, bank statements, tracker data from my car, me on cctv footage (in a police station), my phones tracking location, but your ***** consultant told me "The card was in your posession", what i take from that is you are accusing me of *****ing my own money? If I did it, I would not have gotten the police involved.

This has sent my card into overdraft and I'm freaking out because I do not make enough to simply pay it off. I think of myself as frugal and live on what I have... but when a big bank like fnb turns you away when you need them... what do you do? The ******* took what was left or my salary and then sent the card into overdraft. They said the card was swiped... all my payments go odd my tap to pay...

I just want the overdraft back. The rest is a shame to lose but just replace the debt.

Not happy.

Thinking of contacting the ombudsman but does anyone else know of a better method? If I call they tell me to mail. If I go in to the branch they just make me call on their phone.

Please help. I'm honestly desperate for a solution because I flat out refuse to pay Debt to a bank who 1. Told me I had the card... (FYI, I also have proof from a police station Sergent who messaged me to tell me a homeless man handed in my keys, ID, Drivers and my credit card but not my debit card... not even my FNB business card which by the way, I opened BECAUSE I thought FNB was a great bank... and 2. Debt which I did not create. Someone contact me please and fix this nightmare or I will take it further. But I am not walking away from ****** money.