Unauthorised Credit Check and Loan Application

I am extremely concerned and dissatisfied with the conduct of FNB regarding a recent interaction with one of your consultants.

On the 4th March 2026 I received a call from a FNB consultant who offered me a personal loan of R100 000. During the call I clearly informed the consultant that I was not ready to proceed and specifically requested that she call me back the following day so that I could think about the offer.

However, on the 5th March 2026 I received a notification on my banking app asking me to approve a loan contract for R190 000 which is not only a completely different amount from what was discussed but also something I never agreed to or app**** for.

In addition, I received an alert from Experian indicating that a credit enquiry had been performed on my credit profile. I did not give consent for any credit check to be conducted nor did I authorise any loan application to be processed on my behalf.

This is extremely concerning because unauthorised credit enquiries can negatively affect a person’s credit profile and credit score. Conducting a credit check without my permission is unacceptable and raises serious concerns about FNB’s internal processes and compliance with customer consent requirements.

I strongly request that FNB review and listen to the voice recording of the call from 4 March 2026 as it will clearly confirm that I did not consent to a loan application or to any credit check being conducted.

I expect FNB to urgently investigate this matter, provide a clear explanation as to why a credit enquiry and loan contract were initiated without my consent and confirm that any unauthorised activity will be removed from my credit profile immediately.

I am extremely dissatisfied with this experience and the manner in which my personal and credit information has been handled.