Unauthorised Credit Checks

Dear FNB Complaints Department,

I am writing to lodge a formal complaint regarding extremely poor service, unauthorised credit checks on my profile, and the mishandling of my recent Fusion account application.

Unauthorised Credit Checks Over the past few weeks, FNB has conducted multiple credit checks on my profile without my permission. I did not consent to repeated checks, and these enquiries negatively affect my credit score. I opened a query with FNB two weeks ago, but it has still not been resolved.

Incorrect and Conflicting Information Regarding Credit Card / Fusion Application On Tuesday, I was offered an Aspire Credit Card, which I refused, and I instead chose to apply for a Fusion Account. A consultant called me, assisted with the application, and informed me that I was approved and should wait for my card to be delivered.

However, today I drove to an FNB branch (incurring unnecessary fuel and time costs), only to be told that my application was declined because I refused an offer of a R2,700 limit — even though I clearly stated that I only wanted a R2,000 limit.

This is unacceptable and demonstrates poor communication and a lack of professionalism from multiple FNB staff members.

Request for Immediate Action I hereby request the following:

Removal of all unauthorised credit enquiries done by FNB on my profile.

A full investigation into why my query has been ignored for two weeks.

Clarification regarding my Fusion application and why I was told I was approved when I was not.

Confirmation of the actual credit limit options for the account I app**** for.

Compensation for the inconvenience and costs suffered due to inaccurate information.

I expect a written response within 5 business days, as per FNB complaints resolution guidelines.

Please treat this matter as urgent.