Refusal of unused account closure!

I am writing to formally express my frustration and dissatisfaction regarding the handling of my request to close an FNB account that was opened in December 2025 and has never been used. On 29 January 2026, I requested that this account be closed. Despite this, I was informed by an FNB representative, Ntuseni Musekwa, that the account could not be closed due to accumulated bank charges. As a result, the account is now in arrears by approximately R400, purely from monthly account fees, despite there being no transactions or usage whatsoever on the account. I find it deeply concerning that I am being forced to keep an unused account open solely because of fees that continue to accrue, even after I explicitly requested closure. To compound the matter, I was also refused the option to downgrade the account while attempting to raise funds to settle the arrears. This leaves me in an unfair and distressing position, where fees will continue to accumulate indefinitely against my will. This conduct is unacceptable and entirely inconsistent with the standards one would expect from a reputable financial institution. It feels as though I am being penalised for attempting to act responsibly, and taken advantage of through a system that offers no reasonable resolution to the customer. I am formally requesting that this account be closed immediately, and that the ongoing billing of fees be reviewed and addressed as a matter of urgency.