Unfair Account Closure & ******* "Internal Blacklisting" via Prescribed Debt

I am lodging this formal complaint against FNB for a series of administratively unfair and legally questionable practices regarding my business and personal profiles. 1. Unfair Account Closure (Business): FNB Business summarily closed my account following a transaction report that was made in error. Despite providing full documentation and a retraction from the client confirming it was a mistake, FNB has refused to reinstate my account or clear the "Forensic Flag" on my profile, causing severe financial and reputational damage. 2. Internal "Category 3" Risk Flag (Prescribed Debt): FNB is currently "internal blacklisting" me by maintaining a Category 3 Risk Rating based on old, written-off loans. Under the National Credit Act (NCA) and the Prescription Act, these debts are legally extinguished (older than 3 years with no acknowledgment/summons). Using "ghost debt" to permanently bar me from financial services is a violation of the Code of Banking Practice. Desired Outcome: The immediate review and removal of the "Category 3" risk flag from my profile. The removal of the forensic flag and reinstatement of my business banking facilities. A formal response from a senior manager who can address the legalities of maintaining flags on prescribed debt.

Otherwise next step is the Obudsman FNB is a disgrace