Unstoppable Debit Orders

I took a life cover policy of R280 monthly premium, February this year I decided opt-out because I had lost my job and I could not afford to pay the monthly premiums.

But I didn't get an option to cancel the policy in the FNB app so I disputed and stopped the debit order instead.

This morning, I noticed a message from FNB saying that R840 was debited from my account by fnblife. I had no funds in my account so my balance now became R-840. I called FNB customer care in this regard they told me they would transfer me to fbnlife department.

I spoke to one of their consultants and asked her how come they are still able to debit my account when I specifically instructed the FNB app not to allow debit orders from their service.

She never gave a proper answer but insisted that she would cancel the policy however, the recent debit order of R840 will not be reversed or refunded. I hung up the phone and went back to the native FNB customer care.

I asked the consultant that how come fnblife is still able to deduct funds from my account when I stopped and disputed their debit order she told be "because they change their debit reference and still be able to retrieve funds from my account". Seriously!! now?

I said to her, then maybe their FNB app functionality does not operate as it appears. Clearly it means the "stop debit order" from their APP does not function, again she insisted that it's because they changed the reference. How can the bank allow 3rd parties to make changes of some sort without my consent and then allow them to take money from my account?

Now it appears FNBLIFE is also a division of FNB hence they allow debit orders from them even if your bank balance is zero and also allow them to change references. I have other debit orders which bounce when attempting to debit my account with R0.00 balance but FNBLIFE was able to debit and leave my account with negative 840 which clearly I am responsible to pay.

These are mostly issues you come across at **** companies, FNB has **** tendencies taking every cent away from the less fortunate.

Please kindly help me have the funds reversed so that my account does not show a R-840 balance. I am unemployed and have a daughter to feed, My brother sends me US Dollars he is in the United States I then convert them to Rand's via FNB hence I need the account. Otherwise I would have closed the account and move on with my Life.