FNB loan sharks with loans 30% and no service

I am extremely dissatisfied with the service I have received from FNB. My primary concerns are their irresponsible lending practices and their poor handling of account closures.

Firstly, FNB appears to grant loans without conducting proper affordability assessments. My wife was approved for two personal loans and a temporary loan that she could not afford. This forced me to take out a loan with Nedbank to settle these outstanding debts, including a gold cheque account that was also in arrears. This indicates a serious lack of responsibility on FNB's part.

Secondly, the process of closing these accounts has been unnecessarily difficult and time-consuming. It has taken us three days to try and close the accounts. We encountered problems transferring funds to the loan accounts because the accounts were on hold. We visited the FNB Langenhovenpark branch, where staff were unhelpful. We then went to the College Square branch, where a consultant was eventually able to update the account status, allowing us to transfer the funds and settle the loans. However, we are now being told that there is a level 3 hold on the cheque account due to the arrears, and we have to wait 24-48 hours to close it.

I find it completely unacceptable that FNB keeps their clients waiting and does not provide adequate assistance with closing accounts. Their irresponsible lending practices and lack of customer service have led me to the decision that I will never have an FNB account again. They are irresponsible with lending money and they have no interest in assisting clients.