FNB tempering with my credit card account by upgrading to Private client without my knowledge or authorisation

FNB upgraded my credit card account from gold credit account to private clients credit card without my without my knowledge or authorization.

I’ve contacted FNB numerous times for the act to be reversed without any success. Communication was even done on the application secure chat on 1 August 2025. On the same day Limpho Meselani sent me a downgrade quotation to sign to which I objected in an email sent back to Limpho which clarified I did not request or sign for any upgrade and FNB can not then require me to sign a downgrade form. Communication included calling FNB in trying to resolve the matter and a person who took my call checked on the system and said that this was done by the back office and advised me to send an email to ***. I sent an email on 15 August 2025, to date I have not been assisted. In all communication I kept on indicating that what I’m requesting is not a downgrade but a reversal of a process wrongly actioned by FNB without my knowledge and authorization and this is against FICA ACT. I decline to sign a downgrade document as I had not signed any document authorizing such an upgrade.

In each communication I have numerous times requested immediate reversal of the upgrade, the reversal of the private client credit card fees and want an investigation and accountability on a person who instituted the upgrade on my account and a person who authorized it.

As it stands my monthly payment reflects on the private clients account (an account I never requested), as a result I have not paid my credit card monthly payments, I’m waiting for the matter to be resolved and my due date is Monday 18, August 2025. If I don’t pay by Monday this will affect my credit score and that will attract undesired consequences for FNB.