JL
Johann L

1 reviews | Active since Jan 2018

21 Feb 2024, 22:31

Very dissatisfied with FNB

I’ve been with FNB for over 3 decades. Always impressed. But something seems to be slipping over there. On a Sunday, I transferred in realtime an amount from another SA bank to my FNB investment account. To make sure all was well, I first transferred a small amount. I received the Incontact notice and I checked that the transaction reflected on the FNB online app. So far so good. I then make 3 subsequent transfers from the same bank, in quick succession. All were realtime payments, all reflected on the FNB online app and Incontact. Two days later, the one transaction is gone. ****! Thin air. I ask. I get shunted from pillar to post. FNB is adamant they never received the 1 transaction of the 4. I go to Incontact and find all transactions were erased. There’s a gap between the days. Blank. Nada. I ask for a copy of record of Incontact messages for the day, but nothing forthcoming. FNB then tells me I must go to the other bank it’s their issue. I do so. I have the Proof of Payment but that’s not good enough for FNB. I send proof of all 4 transactions that occurred minutes after each other. Still not good enough for FNB. I ask FNB to provide me with their copies of the Incontact messages of the day and the emails. Nothing doing. Everything gets “escalated” and “sent to management” and the standard replies are typical. It is about trust, ultimately. What may be little money for FNB is a lot for me. Their responses are so bad, that they cause trauma, frustration and stress at levels I won’t explain here. It takes hours to get a response telephonically, and same with emails. Some staff are friendly, but they’re clearly unauthorised to do what needs to be done. I accept that FNB has its own internal controls to guard against ***** and so forth, but how on earth does a transaction and all its related records simply disappear into thin air? How? Incontact is different from a statement or transaction record. The emails sent by a Incontact are different records. How is this possible? Meanwhile, life goes on… If FNB responds here, I’ll predict the usual: “We are investigating blah blah.” Or: “We are aware of the issue and are busy determining what occurred blah blah.” Standard predetermined replies. Days will pass. Who knows what will happen. If anything at all. I find it incredibly bizarre and totally unacceptable and very unprofessional. FNB can do better. Really.

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Replies (2)
JL
Johann L's update21 Feb 2024, 22:38
Reviewer Update
PS: Of the remaining 3 transactions that do reflect, and which are not in dispute, their Incontact messages are also gone. Just gone. I’ve asked for ALL records, so why not give me those? Why aren’t they reflecting? They ought to? So what’s the issue? There’s something really smelly going on over at FNB. It is either some sort of skullduggery ***** or theft, or alternatively a serious glitch in the systems. Time will have to tell I suppose.
JL
Johann L's update22 Feb 2024, 09:06
Reviewer Update
Yes, as predicted, the standard response. Unfortunately it doesn’t help my situation at all. “Thanking” me for “brining the matter to the attention of FNB” is patronising and pointless. I paid money into my FNB account, it reflected initially and then disappeared. When I asked for simple records from FNB such as their online Incontact notifications to me, they’ve simply been ignoring me. This answer is unsatisfactory and serves no purpose. It is a standard generated reply that everybody gets when they have an issue with FNB. We should expect more from banks like FNB who are quick to charge fees for services as long as they get money from customers, but when there’s an issue, it becomes a nuisance and heels are dragged. It cannot possibly be so difficult to simply trace funds between two banks. What on earth is the purpose of the “Trace ID” if not for this? Sorry. FNB can do better.