Incompetence or Convenient *******ion and Theft?

Five years ago I handed myself over to debt review, because I just could not mentally stand FNBs incompetence anymore.

My debt review is paid up, and now even the debt review lawyers have given up on FNB.

My Cheque account that was supposed to be closed 5 years ago, was apparently still active. FNB negotiated a settlement amount to close the account and overdraft which I paid, as I still don't have the energy to fight with FNB about the penalties they charge me for the incompetency.

SETTLEMENT WAS PAID!!!

Lawyers informed me that FNB still cannot issue the clearance certificate on my overdraft cheque account, as even after we paid the settlement, there is still money outstanding. Take note that all cards I can use to access this account expired 4 years ago. I therefore have no access to any app or online banking services, yet apparently I am still being charged for these services...

3 Weeks ago we went into our nearest branch at The Grove mall. The plan was to just simply pay the new extra (still don't know where it came from after we already paid the settlement amount) R2700 on the account and close it in person. Karabo informed us that he cannot do it, as the account is on a Risk 4 and needs management to downgrade to risk 3 before we can do any transfers to the account and close is. FNB can freely hand out loans, but they cannot close paid up accounts...

Account is reportedly on risk 4 due to being on debt review, yet without closing this account, I cannot get my clearance certificate to get off debt review. Oh, the irony... In the meantime I'm still being charged for an account that I have no access to, can receive no service for, and haven't used for over 5 years now.

For 3 weeks we have emailed, phoned and visited my FNB branch. NO ONE CAN ASSIST ME.

In the meantime I need to arrange with FNB to pay my home loan payment at month end, as it is no longer being paid through debt review. I have no access to my accounts, as they should be closed (apparently they are not) and I have no access to any accounts. I just want to find out how much my new debit order is and how I can pay it via EFT until we can continue to try and close the cheque account, get my clearance certificate and open a new account for the debit order to go off from. Home Loans department said they could not help me with my home loan (?!?) I was referred to pleasehelpme@fnb who said they cannot provide me with info or statements as I need to access it through the App.

WHAT PART OF I DO NOT HAVE ACCESS TO MY ACCOUNT DOES FNB NOT UNDERSTAND?!?!

I just want to pay FNB (the penalty fees they are charging me as a result of their incompetence). I just want to close my cheque account. I just want to stay up to date with my home loan payments and recover my credit score.

But no... We are right back to where we were 5 years ago. No service. No competence. No feedback. No help and ******* penalty and monthly charges added to an account that FNB is too *********** to close.

Guess the banking ombut is my only option left...