FNB Recklessly Damaged My Credit Profile With Excessive Enquiries

I am beyond disgusted with how FNB Business has handled my applications and subsequent complaint.

I submitted only three applications, yet FNB conducted over seven credit enquiries on my credit profile. That is completely excessive, irresponsible, and has directly harmed my credit score.

When I raised this issue, instead of providing a real explanation or taking accountability, I received a generic copy-paste response about “credit scoring being essential.” No one addressed why multiple enquiries were done unnecessarily, or why so many were required for just three applications.

To make matters worse, after damaging my credit record, FNB refused to properly assist or reassess anything, leaving me with the consequences of their actions while they hide behind vague corporate excuses.

So let me get this straight:

FNB can repeatedly pull my credit, negatively impact my profile, refuse to provide a clear justification, and then offer nothing but scripted apologies?

This is unacceptable and *********.

I have now escalated this matter to the Ombudsman because FNB has shown zero transparency, zero accountability, and complete disregard for the impact their actions have on consumers.

I strongly caution anyone dealing with FNB — you may walk away with a damaged credit profile and no meaningful support.