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I got a call from FNB admitting to have made a mistake in listing me on ITC for the loan that was paid off. The gentleman promised to send me an email as soon as possible so that I can email him my bank statement for proof of banking details for my refund for the debit order that went off after the debt was settled. As usual its already a week and I am still waiting for the email and when I call the number they provided the consultant advised me that the complaints will only be available after 5pm. I got another call from FNB to find out what I was complaining about (again) and the consultant said she can only take a message and get somebody else to call me back. What happened to the 1st consultant who called me and said he will send me an email .... I guess I will wait for more calls like this with no action since this is what is been happening since my loan was settled in Feb 2018 .... 4 months later the only thing they can do is call me to find out "how can they help me" ... Which they can figure out yet. In the meantime I am getting sms'es from them threatening me with legal steps for a paid up loan.