FNB ******** loan and poor service

<p>I took a small personal loan of R3200 from FNB on 31 October 2016, 2 days later I received some funds into my bank account and FNB took out the loan plus R416 initiation fees. I have been a client of FNB for over 20years with a monthly salary going into my account. How can a bank charge you this fees when they only allow you 2 days to use their cash? I sent my private banker an email last week Thursday after speaking to him and no response, I sent an email to FNB customer care yesterday and still no response. This product offering is flawed and when I spoke to my private banker he said numerous customers are complaining of the same ******** deduction. FNB' s customer service is pathetic and they are robbing their consumers with this loan offering terms. </p>