FNB lies cheats and *****s from its poor clients and then tell us they can do nothing about it. DISGRACEFUL!!!

The fees this bank is charging now is beyond outrageous!

I have just recently calculated the total amount I have been charged throughout this year for nonsense made up discretions and come up with a total of almost r1000!! These **** fees are made up of two sections, namely:

1) Numerous accounts of r8.50 called "not provided for", even though I'm say, sitting at home, reading a book and not even thinking about trying to purchase anything and have no debit orders scheduled. When I brought this up over the phone, in person, and over secure chat to 'my team of personal bankers' (ha!) I have plainly been told that they, as my bank, have no means to see what the actual transaction was that was supposedly rejected, and that it is my job, as the client and account holder, to know what is supposed to be coming off my account and to make sure it is provided for!

When I asked them to stop it they said they couldn't, when I asked them to reverse or refund of they said they wouldn't, and when I asked them what it was for they said they didn't know and basically didn't care. Keep in mind that this was happening even when I had no less that r15000 in my account, so I ask again what can this possibly be for and what amount would satisfy it if even r15000 was not enough?? And this has been happening for much longer than just this year..

2) Multiple monthly instances of fees in the hundreds labelled as "paid not provided for" which is a shocking example of how the banks delayed and deeply flawed accounting system benefits nobody but them.

Let me explain: I have r0 in my account. Someone pays r100 into my balance and my available balance both now show r100 at the time on my banking app. I purchase something, say, online, for r70. Both my balance and available balance now shows R30 available. That night when the bank does their silly magic. The next morning I wake up and check my bank app which now shows, shockingly, that I am r120 in the minus! Incredulously I go and check my recent transaction list. I see the r70 transaction there, click on it, and in the details it shows me that at the time the transaction was began, my balance was apparently r0, which landed my account at -r70. I was then charged a fee for the bank having to allow the transaction to go through even with no money in my account, which they name "paid not provided for" of r150, ending up with me then at -r220. They only then reflect my debit of r100, finally ending me up at a end balance of -r120, where in my mind, and in actual real life fact, my balance was and should still have been R30!!

As an added bonus, let's say that I was expecting a debit order to come off the next day of r15, now that's fine, obviously, yesterday when I last checked my account it was still at R30 remember? Fine.. No!! Now, after FNBs night time 'magic' landing me at -r120 for no apparent reason, I no longer have enough money to satisfy that debit order so it bounces and my wonderful amazing bank then goes and charges me another beautiful fee of r180 for that bounced debit order, landing me at a magnificent -R300..

You see my problem yet?????