Multiple Credit Checks Logged by FNB Without Clear Justification

I want to warn other consumers about an extremely frustrating experience I’ve had with FNB during a recent application process.

After engaging with FNB for a few financial products, I discovered that an unusually high number of credit enquiries were logged against my profile in a very short space of time. This has had a direct negative impact on my credit record, despite the fact that I did not expect repeated checks to be performed.

What is most concerning is the lack of transparency and accountability from the bank. Attempts to get clarity have been met with delays, vague responses, and no meaningful support.

Credit enquiries affect a person’s ability to access financing, and banks should treat this with far more care and responsibility. Consumers should not be left feeling penalised simply for making an enquiry or applying through the proper channels.

I am now forced to escalate this matter formally because I believe the handling of my credit profile has been unfair and potentially non-compliant.

I would like FNB to urgently provide: • A clear explanation for the number of enquiries recorded • Steps to correct any unnecessary impact on my credit profile • Proper customer support instead of dismissal

This has been an exhausting and stressful experience, and I expected far better from a major institution like FNB.