********** loan taken, worst bank ever!!!!

So long story short, I have always taken out my personal loans with FNB with no hassles and always repaid the loans on time or early even, so 1 faithfull Sunday I withdrew my last funds from grassy park FNB atm, at the BP Garage, and traveled to work in Maitland, so around 2pm I get a notification from the FNB app to say r1000 was withdrawn from my account, so I called the ***** line immediately, and a lady helped me and said it was a temperary loan taken of r1000 plus another r130 for fees, she would send me documents via email to fill out and send back, and she would also be sending me new card as she has to cancel the previous one I had, she also said that it would be free, the following day I went to the branch in Tokai, only to spend about 2 hours on the phone with either just getting transferred from person to person or just simply being hung up on, so I then spoke to a manager and asked can I get a new card in the branch instead of waiting for a new one to be delivered, he said yes and the lady who helped me said it would be free, I confirmed this again, and left the branch only to be charged for the card, I then had to take off of work, losing out on my pay for the day, only to go to Cape Town branch, to again spend how many hours on the line, to be again just transferred to different people and again just hung up on, so again spoke to branch manager, who assisted me in printing the form I never received via email and she submitted them and got the teller to refund the money for the card, only to leave thinking its gana be sorted but still unsure due to receiving different time scales from every person I spoke to for the matter to be resolved, so 2 months later and multiple branch visits and multiple amounts of money spent calling FNB, as nobody was making any contact with me, at this stage getting multiple calls chasing me up for the money including texts threatening if I dont pay immediately further action will be taken, at this stage my credit file was already affected as the money was paid back in time, and the loan team didn't put a dispute on the loan or mark it as under ***** investigation, so again I went to another fnb branch in plumstead, to again be placed on the line, only to be told it was handed to another department, to call this department who stated it isn't true it was relocated back to ***** team, and back to call the ***** team to be told they do not know what is happening I need to lodge a formal complaint, so that is all done..

3 weeks or so down the line I get a call from James a complaint resolution expert, so say they will refund the r1000 into my account to be paid back to the ********** loan, and I asked about the r130 fees as I should not be held responsible for that either, he said he will get the loans team to cancel it and make it null and void... I was really soo happy and excited thinking this is all behind me and finished but nope not at all.

So 2-3 weeks later money is still in my account, only thing that was taken was my bank fees which I replaced the fund to make the full r1000 again, I then went to the grassy park branch as I was receiving debt collection calls and texts yet again, and they refused to take the r1000 they said they need to take the full r1130,

I then went to the grassy park branch, and spoke to a manager as I kept just being placed on the calls, she sent and email to James and his manager requesting immediate feedback and advised me 24-48 hrs if no reply from James to come back to the branch, yet another damn day taken off from work, I went 1st thing I the morning, only to be told to lay another complaint as there is nothing further she can do for me, she even spoke to a new complaints agent on the line, sent and email off to Include her own manager, james and his manager and now the new complaints agent and her manager as well, and I was advised again 24rs, and surprise surprise again nothing.. now going a 3rd time to this specific branch, only to be told there is nothing they can do for me in the branch only the ***** team can sort it out. So a 3rd complaints agent I spoke to said 24hrs she will have the r130 placed into my account and the full amount deducted to cover the ********** loan.

I requested a formal letter stating that it was a ********** temp loan take via and FNB atm, with a ********** cloned card, I need the letter to state that it was ***** and not my fault but the banks error, and their negligence with not having it resolved within the correct time frame, so that I can take it to the credit bureau to have my name cleared of the bad mark on my credit file.. I am now black listed and can not get a loan from any body, even FNB refused to loan to me because of my low credit file score due to their own error, all the complaints agent could give me was a letter to say I took the temp loan myself and to say it was now paid off, the audacity to make such an error as a bank and have the customer have to follow up and chase up and issue they should of resolved themselves.

If their employees can just take responsibility and do their job it would of been sorted within the first 2 weeks and it would of never gotten to this point.