Sensless methods and poor customer service

27 Nov I deposited my December 2020 monthly debit order for personal loan. On 15 Dec they deducted it again, despite the deposit on 27 November 2020. I contacted the bank and enquired why the deduction was processed? FNB had previously informed me that should I deposit the funds two days in advance the debit order would not be executed. The previous month they deducted a day before the due date without prior notice!

On the same day I contacted FNB telephonically and submitted a complaint via their app. Thursday 17 Dec 2020 I receive notice that it will take between 12 -48 hours to be advised/ answered. Today I receive an e-mail that my complaint has been refferred to another department of FNB, in the meantime I don't have access to my funds.

I tried to reverse a e-wallet transaction because the FNB ATM at Velddrif has been out of order/not functioning and the person to whom I sent the money is without funds. FNB want to charge R55 to reverse the transaction but it cannot be completed because the FNB ATM is not functioning, the next nearest ATM is 22 km away in Vredenberg. Now if u have no money and cannot travel or afford to travel, how do u collect money?

Tried to reverse transaction via cellphone banking, registered but now I must physically go to an ATM to increase my limits, more exposure to covid virus! I cannot adjust or amend via internet banking, I must go to an ATM where you must touch buttons thus helping to spread the virus or get infected?

Now I must call FNB again at my expense and pay them a fee because there systems and service is a failuer.