FNB is not Customer friendly.

I have been with FNB now for quite a few years now and have had bad experiences. FNB is only concerned with what money can be made from its consumers and totaly disregard customer service. FNB is all about charges and when mistakes are made by FNB its the customer that suffers and FNB could not give a DAM about the customer.

I'll explain.

I found myself battling like every one in this country with interest rates climbing. I found myself just making it every month. Sometimes just barely keeping all commitments up to date with loans and so forth. I made the decision to try relive myself financially and make things easier, by doing debt counseling and reduce the financial strain and consolidating my debt. First FNB started charging me for debit mandate canculations (canceling stop orders). Witch is part of the debt counseling process to ensure that all debt is consolidated into one amount, and one payment is made. My account was debited with service fees for these canculations and when queried I was told that this was not to have happenned and that now a query would have to be sent to be investigated, and then reversed but this takes time and they are unable to give a time line for the reversal of charges.

That was the first.

Second is when FNB was called to confirm the day before all debit orders are to be taken from my salary, FNB confirmed that all the debit orders have been canceled. Come pay day. Guess what the debit counseling company receive the agreed amount for the consolidation and FNB debit my account with a debit order that was to be canceled. So now I have paid twice. Naturally I contact FNB and the Debit conciling to check what's happenning. All FNB said is that they appoligized and will submit a reversal. The problem now is that the reversal will take 15 days. In the mean time FNB is more than Happy to charge me for all debit orders returned due to incident funds. FNB will alwasy ensure that you account fees are paid (taken) immediately. But to rectify an error on there side the customers WILL wait. In short I pay FNB to take care of cash and treat me as they wish.

Gone are the days where any company treat customers right. Too often we pay for services and get treated like we are beggers when we pay for services. With FNB you are not a customer that they want to keep. You are treated like you are just a number a pay check that they have plenty of paychecks. So if you don't like how you are treated that's your problem, leave if you want. We will pay you for our mistake when and how we feel. The funnything is you get charged intrest and penaltys for any mistack or late payment made to FNB. When they make a mistake it will take them 15 days to make payment, a sorry for the inconvenience and no interest on the amount. There is no recorce for errors from companies and Banks. The customers are the only ones that suffer at the end of the day and are made to pay financialy and in terms of stress. The banks can do reversals and pay the money's back when the feel like it. But they can't pay you for the stress and calls made and time wasted because of them.

The cost of errors made by FNB is not only the amount taken in error, it's the snow ball effect of other debit orders that are returned, calls made to FNB and that can take several calls because of the runaround and poor knowledge of call centre's and secure chats agents.

The app for FNB is a totally different story.

Customer and his cash is not King at FNB.

All they want is your money, customer means nothing and sorry means everything.