BC
Biker Chick444
1 reviews | Active since Jul 2016
25 Jan 2025, 12:26
FNB - ripping you off on loans
I fully paid my R9,290.00 loan this morning. A few minutes later, i get notified, that i now owe R228.56 on that loan account. How is that possible, if it said a few minutes ago, that i owe R9,290.00...i pay it fully and SUDDENLY i owe MORE...?!?!?
I contacted SECURE CHAT and the man i chatted to there, cut out chat and just disappeared! I did log a complaint with FNB about that fact.
What is going on at FNB??? They keep you locked on your loan, by adding amounts, as soon as you've paid off your account...?!?!?
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Replies (3)BC
Biker Chick444's updateReviewer Update
26 Jan 2025, 08:37I now wake up this morning, only to find, that my "Loan Account", has now gone deeper onto the RED, with FNB having adding an extra R168.44...onto the INTEREST amount, minutes AFTER i fully paid off my loan...yesterday!!!
And no one at FNB has yet contacted me, about this matter, nor has FNB fixed this problem.
And no one at FNB has yet contacted me, about this matter, nor has FNB fixed this problem.
BC
Biker Chick444's update26 Jan 2025, 08:37
Reviewer Update
I now wake up this morning, only to find, that my "Loan Account", has now gone deeper onto the RED, with FNB having adding an extra R168.44...onto the INTEREST amount, minutes AFTER i fully paid off my loan...yesterday!!!
And no one at FNB has yet contacted me, about this matter, nor has FNB fixed this problem.
And no one at FNB has yet contacted me, about this matter, nor has FNB fixed this problem.
BC
Biker Chick444's updateReviewer Update
29 Jan 2025, 23:49On the morning of the 27th of January 2025, a lady from the "FNB Loans" department called me, about my complaint here, on HelloPeter.
I told her everything and said that FNB cannot charge me intetest on my loan account, when my account is already fully paid off.
And also they cannot charge me two different interest rates, on an empty account, minutes apart, on the same day!
As i am speaking to this woman, telling her all the above said, she gets stuck on: "Mam, you have to pay those interest amounts on your account, because the interest is going to keep on growing and get you into trouble".
I kept on telling her that i DONT owe any money on an account that is fully paid off!!!
I took a R30,000 loan (Nov 2024) and fully paid it off, in 2 months!!!
Seeing as she kept going on and on about me having to pay and not listening to a word i say, or not understanding...i then said that my Attorneys will now take care of this.
I haven't had time to look at my account yesterday or today to report it to my Attorneys.
But i did just now and saw that the FNB Loan Department, debited my bank account, with a further R1,247.74.
So, the amounts taken from my account and amounts charhed to my name *******ly, are R228.56 + R168.44 + R1,247.74
= R1,644.74
And again i say...
My account has never been in the RED.
I paid more than i was due.
Interest amounts charged after i fully paid the loan off.
Two different amounts on one day...interest.
I fully paid my account on the 25th January 2025.
On the 26th January 2025, FNB debits my bank account for the loan, with a further R1,247.74
FNB...owes me R1,644.74
And now, to pay my monthly R1,000 electricity bill, because of the attitude that lady gave me, that called me on the morning of the 27th January 2025.
I am always open to negotiations, but not anyone with the sane attitude as that lady.
If no agreement is reached within 5 days (due to the behaviour of that lady), i will just simply have to hand it over, to my Attorneys.
Please do keep in mind, that due to my condition, all my phone calls are recorded and i don't want to waste further time and money, having to report this horrible experience, to the Ombudsman.
I told her everything and said that FNB cannot charge me intetest on my loan account, when my account is already fully paid off.
And also they cannot charge me two different interest rates, on an empty account, minutes apart, on the same day!
As i am speaking to this woman, telling her all the above said, she gets stuck on: "Mam, you have to pay those interest amounts on your account, because the interest is going to keep on growing and get you into trouble".
I kept on telling her that i DONT owe any money on an account that is fully paid off!!!
I took a R30,000 loan (Nov 2024) and fully paid it off, in 2 months!!!
Seeing as she kept going on and on about me having to pay and not listening to a word i say, or not understanding...i then said that my Attorneys will now take care of this.
I haven't had time to look at my account yesterday or today to report it to my Attorneys.
But i did just now and saw that the FNB Loan Department, debited my bank account, with a further R1,247.74.
So, the amounts taken from my account and amounts charhed to my name *******ly, are R228.56 + R168.44 + R1,247.74
= R1,644.74
And again i say...
My account has never been in the RED.
I paid more than i was due.
Interest amounts charged after i fully paid the loan off.
Two different amounts on one day...interest.
I fully paid my account on the 25th January 2025.
On the 26th January 2025, FNB debits my bank account for the loan, with a further R1,247.74
FNB...owes me R1,644.74
And now, to pay my monthly R1,000 electricity bill, because of the attitude that lady gave me, that called me on the morning of the 27th January 2025.
I am always open to negotiations, but not anyone with the sane attitude as that lady.
If no agreement is reached within 5 days (due to the behaviour of that lady), i will just simply have to hand it over, to my Attorneys.
Please do keep in mind, that due to my condition, all my phone calls are recorded and i don't want to waste further time and money, having to report this horrible experience, to the Ombudsman.
BC
Biker Chick444's update29 Jan 2025, 23:49
Reviewer Update
On the morning of the 27th of January 2025, a lady from the "FNB Loans" department called me, about my complaint here, on HelloPeter.
I told her everything and said that FNB cannot charge me intetest on my loan account, when my account is already fully paid off.
And also they cannot charge me two different interest rates, on an empty account, minutes apart, on the same day!
As i am speaking to this woman, telling her all the above said, she gets stuck on: "Mam, you have to pay those interest amounts on your account, because the interest is going to keep on growing and get you into trouble".
I kept on telling her that i DONT owe any money on an account that is fully paid off!!!
I took a R30,000 loan (Nov 2024) and fully paid it off, in 2 months!!!
Seeing as she kept going on and on about me having to pay and not listening to a word i say, or not understanding...i then said that my Attorneys will now take care of this.
I haven't had time to look at my account yesterday or today to report it to my Attorneys.
But i did just now and saw that the FNB Loan Department, debited my bank account, with a further R1,247.74.
So, the amounts taken from my account and amounts charhed to my name *******ly, are R228.56 + R168.44 + R1,247.74
= R1,644.74
And again i say...
My account has never been in the RED.
I paid more than i was due.
Interest amounts charged after i fully paid the loan off.
Two different amounts on one day...interest.
I fully paid my account on the 25th January 2025.
On the 26th January 2025, FNB debits my bank account for the loan, with a further R1,247.74
FNB...owes me R1,644.74
And now, to pay my monthly R1,000 electricity bill, because of the attitude that lady gave me, that called me on the morning of the 27th January 2025.
I am always open to negotiations, but not anyone with the sane attitude as that lady.
If no agreement is reached within 5 days (due to the behaviour of that lady), i will just simply have to hand it over, to my Attorneys.
Please do keep in mind, that due to my condition, all my phone calls are recorded and i don't want to waste further time and money, having to report this horrible experience, to the Ombudsman.
I told her everything and said that FNB cannot charge me intetest on my loan account, when my account is already fully paid off.
And also they cannot charge me two different interest rates, on an empty account, minutes apart, on the same day!
As i am speaking to this woman, telling her all the above said, she gets stuck on: "Mam, you have to pay those interest amounts on your account, because the interest is going to keep on growing and get you into trouble".
I kept on telling her that i DONT owe any money on an account that is fully paid off!!!
I took a R30,000 loan (Nov 2024) and fully paid it off, in 2 months!!!
Seeing as she kept going on and on about me having to pay and not listening to a word i say, or not understanding...i then said that my Attorneys will now take care of this.
I haven't had time to look at my account yesterday or today to report it to my Attorneys.
But i did just now and saw that the FNB Loan Department, debited my bank account, with a further R1,247.74.
So, the amounts taken from my account and amounts charhed to my name *******ly, are R228.56 + R168.44 + R1,247.74
= R1,644.74
And again i say...
My account has never been in the RED.
I paid more than i was due.
Interest amounts charged after i fully paid the loan off.
Two different amounts on one day...interest.
I fully paid my account on the 25th January 2025.
On the 26th January 2025, FNB debits my bank account for the loan, with a further R1,247.74
FNB...owes me R1,644.74
And now, to pay my monthly R1,000 electricity bill, because of the attitude that lady gave me, that called me on the morning of the 27th January 2025.
I am always open to negotiations, but not anyone with the sane attitude as that lady.
If no agreement is reached within 5 days (due to the behaviour of that lady), i will just simply have to hand it over, to my Attorneys.
Please do keep in mind, that due to my condition, all my phone calls are recorded and i don't want to waste further time and money, having to report this horrible experience, to the Ombudsman.
BC
Biker Chick444's updateReviewer Update
30 Jan 2025, 11:54I am in the process of purchasing a vehicle and my application for a loan through other banks, were declined, BECAUSE FNB HAS FLAGGED MY LOAN ACCOUNT, AS UNPAID !!!!!
HOW LOW CAN YOU GET FNB ?!?!?!
HOW LOW CAN YOU GET FNB ?!?!?!
BC
Biker Chick444's update30 Jan 2025, 11:54
Reviewer Update
I am in the process of purchasing a vehicle and my application for a loan through other banks, were declined, BECAUSE FNB HAS FLAGGED MY LOAN ACCOUNT, AS UNPAID !!!!!
HOW LOW CAN YOU GET FNB ?!?!?!
HOW LOW CAN YOU GET FNB ?!?!?!