FNB negligently abates impersonators in de*****ing innocent people

I was the victim of impersonation where an unknown individual opened a Kulula credit card in my name with documents so **** that they would barely pass for a cellphone contract let alone a credit card. I first got wind of this when I received an email of an FNB employee (***) in which he/she says the documents that had been submitted for the application were insufficient and that FICA required a certified copy of my ID for the application to proceed. I was shocked because attached to this email was an uncertified copy of my ID and a Telkom account bill which was clearly photoshopped, where my cellphone number was edited on in a different font (this number is from a cell c contract and was never associated with Telkom at any point, the Telkom account was for a router and data contract), the date sitting randomly in white space in a different font. I sent my own email to Katlego Molote telling them that I did not make this application and asked them to help sort it out. I also phoned FNB ***** line and the consultant told me that as there was no card or open account, I would not be able to report anything, they advised me to report the matter to the ***** protection service.

I made a report of this and a Vodacom incident with the SA ***** protection service (SAFPS) and they flagged my ID. Incidentally around the same time I got a call from Coricroft, Nedbank and later ABSA saying someone was using obviously **** documents to apply for credit in my name. Yet FNB approved this credit card with a proof of residence that couldn't POSSIBLY comply with FICA considering how much trouble you as a legitimate owner of a bank account can face with FICA renewal.

I assumed that FNB couldn't have granted the card but on June the first my real bank got a debit order for a whopping 87 grand that didn't go through, because as a normal person, I wouldn't have 87 thousand rand lying about in a bank account. I thought it must have been a mistake that rectified itself then on the first of July I got a debit order for R10,518 and that went through. I reversed it, called FNB and made a report and got a reference number Rq*** and they said they would suspend the account and investigate. As I was sending the affidavit they asked for, my bank got debited for the same amount from the Kulula credit card under different code, the same account that they said would be suspended. I have reversed it again. Luckily Standard Bank still knows how to provide banking services.

This whole issues would be hilarious if it weren't so serious. I want there to be accountability from FNB's side for allowing this travesty to happen. From these debit orders I estimate they must have lent this person over a hundred thousand rand and they didn't have to go to any branch in person and provided ridiculously scanty documents as support. I believe this must be a FICA violation of some sort. I want this Katlego Molote to be accountable for not responding to my email and not following up when they somehow (I don't know how) stumbled on my real email address and not the one the ********* set up. I have sent the affidavit to FNB and I want them to explain why they attempted to debit funds from me for an account that was reported as ********** and should have been suspended pending investigation 2 days before. Where any of this will happen is anyone's guess.