Temp Loan Nightmare

On the 12th of June 2023 I went to my app to get a Temp Loan so I can live above waters for a few days before my pay day. I have app**** for the Temp Loan quite often in the past so I understand how to go about doing it in my app and the process. I only needed an amount of R800. This was around 17:55 in the evening. There was weird things happening on the app, firstly a requested to change my pin abruptly prompted on my screen a few times while I was busy with the application, this looked rather suspicious as it has NEVER occurred before so I logged out and ***ged in again without making any selection. I attempted to apply for the Temp Loan once again, however when I got to the screen where the amount I need is required and should be selected, it was completely greys out and I couldn’t adjust the amount. I exited the screen in order to refresh and start again. Mind you at this point there has been no authorisations response declarations that have been confirmed. Once again, I attempted the application again and same thing happened. I then decided to leave it alone for a few minutes. To my absolute shocking surprise I receive an email stating that an amount of R7000 has been debited into my account. Because of the malfunction of the app, I moved the money to savings because all of this seemed suspicious and I didn’t want any access to the money. Following day in the 13th of June, I went straight to the branch in Fourways to report the issue first thing in the morning. I was assisted by a lovely lady by the name of Mabel who heard what was happening and sent an email to the loans department to report the issue. I was then advised to send the money back into my main account, which I did. The agent further on and stated that she will be in touch once she receives a response.

Mabel contacted me on the 14th to let me know of the feedback. I went to the branch and she told me that there was a 5day cooling off period that applies to loan applications that she was advised of. We call the loans department to see what the outcome will be as now an interest of R717 wanted to be charged to my account for the initiation fee. Please bare in mind that I was left in a situation far worse than I was initially. I was advised by a rather rude agent telephonically from the loans department that there’s nothing they can do and that I need to pay them the money. How is it that a bank that receives my salary on a monthly basis, hold my credit card and knows my financial transactions treat me so bad??? I’m flagging this so people are aware that I had to pay for the malfunctioning systems of the business and was practically called a ****. The one place I thought would help in my duress actually became my worst nightmare.