FNB revolving Facility FNB Temporary Loan FNB service.

I balance a tight budget, but I can work more harder to make ends meet. My bank is First National Bank or FNB.

So problems started occurring about a month maybe 2 and a half months ago. I took out a temporary loan to compensate for daughter needing or wanting to have her nails done in a town closer to Mom (I'm divorced). The time missed at worked was naturally a shorted income.

So I took out the personal loan option of I believe R4500. In a few days after that commitment, middle of month I received a payment from my brother who owed me money. FNB took that payment, mid month and allocated it towards the temporary loan. Nothing strange there.

At end of month FNB did not subtract the rest, as it usually does. There was at least 10k in the account to make up the other 3k. Instead of deducting the amount at payday as FNB usually does it failed to do it. I missed that. So mid next month I started receiving legal threatening letters. I found that obscene.

However, I did blow the money on a Woman's Day treat for my daughter. In effect I blew the cash that wasn't deducted. As the month completed I was deducted the remaining amount. That ought to have settled the imbalance.

At that point in time I figured... If they can fudge that up I better advance payment on my Revolving Loan facility. Transferred a 1000k for a potentially R883.

On the second of this month FNB also deducted the R883 buckaroos... great... they didn't fudge that up... until they did. on the 5th of Septemper they notify me that the facility is on hold... this now the facility that has recieved double payment. Herewith the *****ic service with no result in sight: I hope to God I can copy and paste the useless chat service... Oh, I forgot to mention... My banking app for the past 2 months had forced me to drive to town to reset the password it has been deemed that *****ulent attacks has been witnessed by FNB although no money has moved. ***** surely is the act of successful deception? So I went to town every first day of week to unblock my access to my own funds which hasn't disappeared.

If you think this is a comedy of errors... Wait till I post the converse of the Secure Chat Staff. If there ever was organized inflation this example would be the black-hole of human endeavors wasted:

So I spent an hour trying to understand why a revolving loan facility, which has been doubled paid could magically fudge out. In other words I'm being flagged for being in arrears even though I've paid more than the needed 5 days before, and the required amount on due date... Needless to say, this is the opposite of morbidly stupid. This in my view is closer to engineered ignorance, because possibly there is something far more wrong than meets the eye.

I wrote: "Hi, Why is my revolving facility on hold?"

Premier Banking Service Suite respond: "Thank you Mr ***XX ***X ******XX for contacting your team of service advisors. You are currently in the queue. Please keep an eye n this chat, as we will update you when your advisor is ready to assist. Some of your service advisors may be working under supervision in terms of FAIS." 14:44

Next Message: "Good Day Mr ***XX X ******XX. My name is ******X, and I've been assigned to help you. I'm currently reviewing your messages. I will be ready to assist you shortly. Thank you for your patience."

My injection... No need to review my grammer nor English... Just read it. I don't need a lecture or a review.

Next response: "A moment please while I transfer you to the revolving loans collections desk. Is there anyting else before I transfer you, ***XX?"

Keep in mind the account is double paid... no need for collections.

Next Message: "Your chat has been transferred to Collections CCB and PCB who will be assisting you with your query. Please keep an eye on this chat, as we will update you when your advisor is ready to assist."

My injection... I'm not chatting. I'm investigating a crime. FNB is obstructing the crime by sending me somewhere else. Additionally I've paid double to a single payment request as I deemed them capable of family planning up a simple thing based on the months before.

I pre-emptively overpaid.

Next Message: "Good day Mr ***XX X ******XX. My name is ***XX, and I've been assigned to help you. I am currently reviewing your messages. I will be ready to assist you shortly. Thank you for your patience." My injection. I don't need my single message reviewed by multiple imbeciles. I've over paid and I'd I'm being punished for being pro-active based on FNB's lack of performance... Don't condescend. don't review. just correct or commit to an answer.

Next response: "I need to route chat to the revolving facility collections desk to assist you and thanks for chatting with us. "

My injection. I submitted a single question and no answer yet. Its now 14.51 pm

Next response: "CCR Virtual Collections Team

Your chat has been transferred to CCR Virtual Collections Team who will be assisting you with your query. Please keep an eye on this chat, as we will update you when your advisor is ready to assist."

My injection: I ****ing doubt it.

Next message: "CCR Virtual Collections Team

Good Day Mr ***XX X ******XX, My name is ******X, and I have been assigned to help you. I'm currently reviewing your messages. I will be ready to assist you shortly. Thank you for your patience."

My Injection.... the amount of inflation this service desk is creating will cripple the wealthiest of countries. This service is skull-flowering the poor, clearly. This has the upgrade of SATAN written all over it. Hang on folks... We're not even 1/3rd in.

Next Response: 14:59 "Please contact Revolving facility *** department directly, they are not available on the chat."

Next response 15:01

"Hello. MR ***XX X ******XX. Just a friendly reminder to respond to my last message. We are here to help you."

My injection: If you are help, I wish to run the other direction.

My response at 15:02

I've now submitted in total the following: " 1. Why is my Revolving loan facility on hold? 2. Acknowledged " Next message at 15:05: "Good day MR ***XX X ******XX.

******X is still attending to your query and wil respond shortly."

At this point in time I have started phoning the number mentioned before... while I get this message at 15:06 "******XX Thank you "

Next Message at 15:06: "******X CCR Virtual Collections Team

Thank you for chatting with us today. if there is anything further you would like assistance with, please do not hesitate to contact us again. "

That concludes the Secure Chat staff. After that I phoned 2 more numbers, in total 3 to get to a dude that realised the issue needs escalation. I pointed out to him that their numbers all, by Google caller is reflected as spam callers, and that he needs to contact me via email. We both agreed on that he will send me a test email and If I do not hear of resolution in 2 days I'll follow up on the email he had sent. The email never arrived and the twice paid account is still on hold, even though it has never been in arrears.

Considering the numerous hacking attempts, the poor service around the Temporary loan.

The poor service around the Revoling loan Facility

The subsequent support...

FNB isn't a Tree of growth and potential. It appears to be a lip service for "Good day MR X" type idiots such as myself. "