INITIATION FEE CHARGED ON DECLINED CREDIT CARD APPLICATION STILL NOT REFUNDED AFTER 12 WORKIG DAYS AND COUNTING

<p> ********** <br />Click to teach Gmail this conversation is important.<br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br />Inbox<br /> <br />x<br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br />FNB - Credit Card ********** />Jul 20 <br /> <br /> <br /> <br />to me <br /> <br /> <br /> <br /> <br /> <br /> <br />Good day Miss Ratshibvumo</p> <p>FNB CREDIT CARD ACCOUNT: 4901 107X ***X 50XX</p> <p>We thank you for your communication and hereby confirm that your account has been closed .</p> <p>Kind regards<br /> Natasha Adolph<br /> FNB Credit Card | Retail Banking<br /> 30 Diagonal Street, FNB Place, Johannesburg,2001</p> <p>To read FirstRand Bank's Disclaimer for this email click on the following address or copy into your Internet browser:<br />https://www.fnb.co.za/about- fnb/legal-matters/email- disclaimer.html</p> <p>If you are unable to access the Disclaimer, send a blank e-mail to<br ********** co.za and we will send you a copy of the Disclaimer.</p> <p> </p> <p>the above is an email fnb sent me after my previous attemp to get my refund and the lady who sent this email assured me that my money will be refunded but that has not happened even after 2 trips to their branches where their employees treat you like they are doing you a favour by assisting you. FNB your service is phathetic i regret the day i chose u above other banks .please refund my money. i nolonger have the ernegy to be going back and forth on one issue please i am literally begging and pleading MIGHTY fnb. refund my money</p>