Refund Request for Unjust Bank Charges

I am writing to formally lodge a complaint and request an immediate refund regarding the excessive bank charges deducted from my account.

Despite having downgraded my cheque account specifically to avoid high monthly fees, I was once again debited R480 + R170 this month. This is the exact reason I opted for a downgrade — yet the same unjustified fees continue to be charged.

To make matters worse, this account is no longer my primary salary account and receives minimal activity. As such, I see no value or benefit from this account or the associated costs being charged.

I request the following:

A full refund of the recent bank charges totaling R650.

Confirmation that the account has been correctly downgraded to a package that reflects minimal usage, with no monthly fees if possible.

Written clarification of the ongoing monthly fee structure for this account.

FNB markets itself as a customer-first bank, but these recurring charges with no visible benefit reflect the opposite. Please resolve this issue promptly, or I will consider switching to a provider that respects its customers’ needs.