FNB Misconduct, Negligence, and Failure to Provide Services

I am filing this complaint because FNB has shown a shocking lack of support, accountability, and professionalism toward me as a long-standing client.

I have been with FNB for many years, with both a personal and a healthy business account. Despite this, my recent business loan request was refused without any proper review. I am self-employed, and FNB has made me feel as though simply asking for a loan is something I should feel guilty about.

Temporary arrears — caused by being ****** and losing everything — were fully explained and already being resolved. Yet FNB ignored all context. The decision was made by a computer, not a human being, which is irresponsible and unacceptable.

After the refusal, I sent two emails to my business banker. I received no reply. A business client being completely ignored is beyond unprofessional.

My personal account has also been mishandled. FNB offered me a little over R1,000 as a “goodwill gesture”, but only if I signed a document protecting the bank from any responsibility. That is not goodwill — that is an attempt to silence a client after admitting fault.

To make matters worse, I have been paying for a personal banker who doesn’t exist. The Sales & Service Manager offered to assign a new banker back in September, but never followed up. I have been billed for a service that FNB knowingly failed to deliver.

I am now formally requesting:

Immediate stop of all charges for a private banker service I did not receive

A full refund for all months where I was paying for a non-existing banker

Immediate assignment of a competent and responsive banker

On top of this, I have suffered yet another *****ulent transaction via Uber — the third or fourth time this has happened. This raises serious concerns about FNB’s security failures. How is this still happening?

FNB is extremely quick to take money and send payment reminders, but when a client genuinely needs help — even the smallest support — the bank does nothing. No human intervention, no communication, no accountability.

This treatment is unacceptable.

I request an urgent, written response and a full review of:

The loan refusal

The lack of communication

The attempted “goodwill” document

The ongoing *****

The false billing for private banking services

It is no surprise taht 90% of the people i know left FNB for bad service and weird transactions happening on their accounts.

If these issues are not addressed immediately, I will escalate the matter to the Banking Ombudsman and relevant authorities.

FNB must take responsibility. Enough is enough.