FNB just keeps letting their clients down...Money over the client should be their new slogan.

A continuation of my FNB Connect drama.

OK - so firstly, I received a call from someone at FNB Customer Care or Dispute Resolution (or whatever they want to call it...) - first impressions weren't great as from word go I'm hassled about why my profile name on Hellopeter is the same as my full name and surname. So a bit of an interrogation about why I don't have my full details out there on the net for all to see... Once I explained why I don't feel the need to flash my full details ALL over the net, I got an 'Oh..Ok..' and we went on..But I digress... From there the guy was somewhat open to listening to my issue and open to see what he can do in his (EXTREMELY limited) capacity - which would be for them to recalculate my affordability based on the CORRECT information and my ACTUAL income etc,even the bits and pieces I get in stably every month (which all combined give you my DAMN INCOME..) not on old information or ***** and unequal FNB practices that only benefit certain groups in SA....

So I was promised that they will redo the application and that someone will phone me to possibly verify things like income,extra income etc. - - That process NEVER happened. The ran the process again with the previous information,WHICH WILL OBVIOUSLY give the same outcome... So nearly a week later I got a call to inform me of the same results that I had when doing the online application.

When I voiced my disdain at the process, the faulty nature of their credit calculation and the fact that I have been with them for years and have MULTIPLE accounts with them and I have done ALL of my devices through them for the last 6-8 years because I like having it all unde the one umbrella AND that there have NEVER been payment issues etc etc... That meant nothing...

Sad really! I have THREE other credit providers offer me what I want...ALL of whom I DON'T have years worth of interactions and records with...YET FNB is not willing...I figure they all use the same system and same practices...I won't mention the other providers here, as I don't want FNB to say something snotty or comment on the nature of their practices etc... THE FCT REMAINS - Some one else will give me what I need and my bank couldn't give a flying f***. I had the same issue with them when when Covid just hit... They MESSED up my 'Covid Relief Loan' - call it what it is 'Making FNB MORE money during Covid Loan' AND to top it off, for the FIRST TIME EVER FROM FNB - When my personal cheque acc went into the minus between pay days (you know, from banking fees or something, which they OBVIOUSLY get the moment money is deposited into the account) I GOT THREATENED BY FNB, DUE TO MY ACC BEING IN THE MINUS, BY SAYING THAT THEY WILL BE SENDING A COLLECTION AGENT AFTER ME, FOR THE FACT THAT MY ACCOUNT WAS IN THE MINUS FOR 3 DAYS...WOW...HAVE YOU EVER HEARD OF THAT BEFORE?? FNB SENDING A COLLECTION AGENT AFTER YOU,BECAUSE YOUR PERSONAL ACCOUNT is in the RED FOR 3 DAYS...NOT BECOME A DEBIT WASN'T PAID OR YOU OWED THEM CRAZY AMOUNTS OF MONEY OR ARE TRYING TO RUN AWAY FROM PAYING THEM FOR SOMETHING - - NO! FOR YOUR ACCOUNT BEING OVERDRAWN FOR THREE DAYS,DUE TO EXCESSIVE AND CONSTANTLY CHANGING BANK FEES - - 3 DAYS WORHT OF YOUR ACCOUNT BEING IN THE RED,AFTER EACH AND EVERY DEBIT HAS BEEN PAID AND YOUR EXPENSES HAVE GONE OFF,IN FNB'S BOOK,IS WORTH THREATENING YOU WITH A COLLECTION AGENT...FOR BANKING FEES...NICE ONE... WELL DONE GUYS! GOOD JOB OF HOLDING ON TO CLIENTS!

So far the last 3 weeks have been a nightmare with FNB and how they operate, deal with clients and their threats and ***** tactics..

I made sure the guy knows that I will NEVER look at doing device or extra accounts (we've got our business accounts with FNB aswell) or our home loan (coming up in July) or any other long term credit relationships that will benefit the credit provider, through FNB evr again... Simple as that...Didn't phase him in the least... He was 'phone professional' and played it by the book in regards to how they will do it, but there was no way to actually rectify issues or find a way to keep a customer - which I know is possible, as I know of 'other people' who earn a third of what I do, who have done ridiculous loan and credit agreements with them, with heavy debt on their ledger already, without any issues...

FNB - you use to be the peoples bank - now it seems that you are some people's bank with no interest to find ways of keeping clients and maintaining a healthy relationship.

I GUARANTEE that my issues won't be solved via FNB but through another bank or credit provider - just so that I can get a LAPTOP to continue making my income, in order to pay people FNB their ridiculous fees and charges, before they send a collection agent after me for having a personal account in the minus for 3 days...

Avoid FNB connect and any of their credit options LIKE THE COVID virus itself folks... If you don't feel like sitting on HelloPeter atleast once a week due to your banking woes, then rather look for solutions somewhere else...