*******ion done on my bank account

Item: FNB (First National Bank)
Rating: 1
Author: Petunia N

Good day

I would like to raise concerns of what is happening at my account.

Background

Previous months I have been noticing that there are charges at my account that I do not understand, I can not reverse or block them from my App only FNB can. The following has been done on my account and every time when I called for this matter to be resolved, it does not get resolved. All the deductions they have the same references but different amounts. I am very concerned because this is happening every 2 weeks or 2days. Every time when I have funds there is this deduction.

Dedications

Reference: Items paid No funds On 25/02/17

16 April 2024 – R 200.00 : Not refunded 16 October 2024 (1)– R105: Not refunded 16 October 2024 (2) – R 105: Not refunded 16 October 2024 ( 3) – R200: Not refunded

18 February 2025 - R245.00: Not refunded 19 February 2025 – R105: Not refunded 18 June 2025 – R350: Refunded 24 June 2025 – R9: Refunded 24 June 2025 – R135: Not refunded 25 June 2025 – R9: Not refunded 16 July 2025-R291: Not refunded 18 July 2025-R141: Not refunded

The last reference number requesting the funds to be reversed - R***

Disadvantages to me on this *******ion/unfair deduction process

• Every time when I call requesting the money to be reversed, they indicate that it takes 2days. • Every time I have funds on my account I have to relook again again or be worried if FNB has not taken my money again as usually • I could never know or be sure when I want to pay for something is the money is there or not • I have 3 kids and a single mother, every R2 for me is important • It is not fair to me not to use my money when I want to, I have to call every time for the money to be reversed

Solution

• All my money to be reversed • To cancel this *******ion process that is done on my account

Helpful (0)

Replies (1)

Petunia N's updateReviewer Update

28 Jul 2025, 09:18

Good day, this was a response from FNB.
Good day

I trust all is well

Thank you very much for allowing us to manage your complaint

Please note that the fees charged were due to transactions being made with an insufficient balance in your account, fees are applicable as per your product terms and conditions, Kindly see the attached pricing guide for the FNB Fusion Premier account and refer to page 38 for ease of reference regarding this fee.

Please see below transactions that were made that resulted with the fee to be charged.

Transaction description Amount Date Balance
PURCH DL Bolt 43.00- 07/17 273.88-
PURCH CLICKS MIDRAND 126.12- 07/17 400.00-
PURCH Ackermans Midra 198.95- 07/17 598.95-
PURCH Ackermans Midra 200.00- 07/17 798.95-
PURCH Jet Midrand Ger 221.80- 07/17 1,020.75-

To address your concerns, we thought it best to first explain how card purchases are processed. When payment is requested, a merchant?s point of sale device dials through to FNB for permission to trade in the amount of the purchase.

Some Merchants do not bank immediately depending on their business settings, and FNB cannot control those processes. When you purchase goods, the Merchant can take up to 2-day, 1 week or even 6 months to bank a transaction from your account, and these transactions cannot be declined by the Bank. Once the Merchant approaches the Bank to release the funds to them, whether or not there is sufficient funds in your account, the Bank needs to release the funds.

We deeply value your relationship with FNB and are committed to providing you with the highest level of service simply because our customers deserve the very best

Kind Regards
Martin Sabole

Below is my response to the above email.

Good morning

Thank you for the email, however, my concerns are not address in your email. You responded as someone who does not know his/her job. Kindly re-read my complaint and address it accordingly.

It clear that FNB is a ******* bank, I just called now at 09:55, I spoke to another lady trying to explain my challenge with FNB – I explained myself for 15minutes, and she dropped the call on my ear.

All I want is my money that SARS gave me to be reversed because I never went to the store and buy something while I don’t have funds. FNB refunded my money before why they can’t reverse these transactions.

Its clear to me by the way you have treated me that I must change banks, that I will do. Firstly, kindly address my concerns.

I hope my please can be taken into consideration.

Petunia N's update28 Jul 2025, 09:18

Reviewer Update

Thank you for the email, however, my concerns are not address in your email. You responded as someone who does not know his/her job. Kindly re-read my complaint and address it accordingly.

Its clear to me by the way you have treated me that I must change banks, that I will do. Firstly, kindly address my concerns.

I hope my please can be taken into consideration.