Unauthorized debit order - *****

I am writing to formally report and raise serious concerns regarding the handling of unauthorized debit orders on my account by First National Bank (FNB). I contacted the FNB ***** line on 02/05/05 and was advised to call back today, as the matter was classified as a debit order issue. Upon following up, I was met with further frustration. Thabiso informed me that placing a stop on the debit order may not be effective, as the “service provider” could simply resubmit the debit using a different reference. He told me that I would need to cancel the debit directly with the service provider. This response is completely unacceptable, as this is clearly a case of *****ulent activity. There is no valid debit order mandate in place, and the debit in question contains no contact details—only a reference number—making it impossible for me to identify or engage with any legitimate service provider. Furthermore, I have been informed that stopping and reversing the debit order will incur charges, which are in fact higher than the debit order amount itself. I find it unreasonable and unfair that I am expected to bear financial penalties for ***** on my account. Additionally, I am being told that if I do not cancel with the so-called service provider, the debits may continue—despite the fact that this is unauthorized activity. This is not the first time I have experienced such an issue with FNB, and it is deeply concerning that I am repeatedly required to resolve matters that should be handled competently and proactively by the bank. The lack of accountability and ineffective response from FNB staff suggests either serious internal control failures or potential internal misconduct. I therefore request the following: * Immediate reversal of all unauthorized debit orders * Immediate cancellation/blocking of these debits at no cost to me * Full refund of all charges incurred as a result of these *****ulent transactions * A thorough investigation into how these unauthorized debits were allowed without a valid mandate I should not be penalized, financially or otherwise, for failures within the bank’s systems or processes. I expect this matter to be treated with urgency and resolved without further inconvenience to me. Nomonde