DM
Daphney M

1 reviews | Active since Aug 2016

28 Oct 2025, 10:16

FNB maliciously delay reconciling credit card account as a trap for clients to pay interest

I wish i could give FNB a zero star on this matter. FNB creates a financial mess for me in the way they are always delaying reconciling my credit card and accounting for the statement date or cycle. They even changed the statement dates from between 28 to 31st taking into account when we have a leap year. At most the statement date used to be 29th or 30th of the month. This consistency in reconciling my credit card account and statement dates assisted me in managing my finances very well because i always new what will happen and when especially when i prefer to settle what i use every month. I don't know if this was a problem to FNB as they were not able to make profit out of me because there was no reason to charge interest; but surprisingly i began noticing a changing pattern of FNB maliciously delaying reconciling and accounting for my account on those statement dates, sometimes they will reconcile on the 4th, the 3rd or the 2nd and when they delayed they don't even back date back to the normal statement dates or process under lates to avoid charging interests they would not have necessarily charged had the statements date or cycle been considered. This is a serious financial problem for me because i end up with outstanding balances which attracts interest that could have been avoided if FNB didn't delay or taken the statement date into consideration or reconciled under lates. I sometimes run out of money trying to pay again just to cover whatever balance while waiting for them to reconcile, but it is hard to keep up with the trap, they make sure they delay until there is a balance so that they can charge interest and make that profit out of me. I find this to be so malicious and *********, to add to this frustration is the fact that on several occasions i spoke to my private banker and every time he said he is busy resolving the matter, will get back to me but till this day the matter has not been resolved. Two weeks back i phoned the private banker to follow up on the matter but my call was not answered, maybe he was busy or not available to take the call, but he never got back to me with the feedback on this matter that has been long outstanding. I am tired of this and that is why i am resorting to this platform hoping that FNB will resolve this matter and make sure that all the interest wrongly charged on my credit card account due to their delays are successfully reversed back to my account. I cannot be trapped like that, i try to manage my finances responsibly and the last thing i need is this mafia style delays that drains me financially. Please FNB relook into my FNB credit card account for each month you delayed and where you charged interest, please reverse; this banking relationship is becoming a financial liability that i can no longer bear, is the bank chasing me away?

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