Insulted by My Own Bank: A Disheartening Experience with FNB

I recently lost my Apple Airpods, and it is disheartening to find myself left only with the charging case. Upon reaching out to FNB to seek assistance for a replacement pair, I was informed that obtaining a new set is implausible. Subsequently, when I inquired about the possibility of an alternative application process due to recurring issues with the mobile app, I was informed that all applications must be completed through the app itself.

I emphasized that my initial qualification for the Airpods was based on their pre-approval rather than a stellar credit profile. In an attempt to facilitate the matter, Keagan from FNB assured me that he would liaise with the manager on my behalf, urging discretion in approving a replacement pair, considering my status as a loyal client who is actively repaying the lost pair.

Regrettably, their response was a resounding decline, justified by branding me as a high-risk client solely reliant on their short-term loan. This assertion feels nothing short of an insult. FNB had previously pre-approved me for an overdraft and a temporary loan without solicitation. Despite being well aware of my monthly income, they conveniently positioned the temporary loan within my reach. It is baffling that, having demonstrated consistent and faithful repayment, I am now labeled as high-risk without any consideration for my financial stability.

Adding to the disappointment, there was no courtesy extended to inquire about any supplementary sources of income, which, in fact, exist. I generate a minimum of R3000 monthly through my side business, affirming my capability to comfortably afford an additional R300 for the new pair of Apple Airpods