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Michelle P

1 reviews | Active since Jan 2020

22 Sept 2025, 12:08

FNB refuses to give me proof of transaction - Barrier to service over virtual card transaction

I rented a car, they put a hold on my card for the 3,8k deposit, I used my current account virtual card for this transaction which was on 29 Aug and returned the card on 5 Sept. I called the bank, went into the branch and well its been very frustrating. firstly it seems because I used a virtual card, their preauthorisation department is saying its not their query. Virtual cards says the transaction was successful, the rental company says it was a hold not a deduction. I asked FNB on numerous occassions on the secure chat to send me proof that the transaction, in the form of a manual letter, then I would share that with the merchant so that they could process an eft refund seeing that my money isnt back. Well i was sent from pillar to post by FNB I dont know if they are using bots or the people who work for them cannot compute outside of auto generated buttons. Then eventually I had to just dispute the transaction because i need my money back since yesterday. I cant use the options on the app because it doesnt list this transaction. A Bianca responded after a week to ask me for transaction details that were detailed in the initial mail I sent them. Its like people cannot problem solve beyond their generic responses. I am experiencing a barrier to service left right and center and I just want my money back. And also why does FNB make it my problem that its a virtual card or not. The staff is not trained to not load this burden on the customer. This is very annoying. The branch cannot help. I have wasted too many hours on this. I want my money back and I want my bank to be of actual help! This reminds me why I had left FNB before, just being sent pillar to post, no ownership like they are doing me a favour.

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Michelle P's update29 Sept 2025, 19:10
Reviewer Update
SInce logging my query there has still been no resolve. Edith called me, i asked her to call me later and she didnt. she said that she wanted the car rental contract and proof of money i was part paid. she is clearly unprofessional as she didnt even take a moment to fami****ise herself with the case. I told her this had to do with my current account not credit card. And i was to send her the contract thinking she is working on it. However she sent me a flimsy email that said something different to what we spoke about. She just said basically there was no transaction, therefore no query. This is upsetting that the bank makes transactions disappear without a trace now I am querying an non existent transaction, how is that possible? I went to the branch last week and they said they will escalate to Edith's manager as they too couldn't make sense of her notes and also lack of resolution. Luckily i still have the sms i got for the transaction, the burden was on me to prove to my bank that this even happened. It is very unsettling to say the least. The matter is unresolved, no feedback from Edith's manager, the complaints team or even the branch. Already in an age of AI where reality has become debatable I certainl9y dont need a bank that erases transactions whether they were on hold or in authorisation. And acknowledge them as such.