How do Nedbank and Ombudsman pass any type of Audit?

Nedbank Bank/ Ombudsman (Closure of account ***) NFO Case*** 1 August 2023 e mail submitted to Nedbank Northmead, attention Mr Terrence Madura (Business banker) requesting that our business account *** and all associated credit cards 5898……..2699 be closed and cancelled, noting that all accounts had been paid in full and reflected Zero balances. 18 August 2023 T. Madura advised he was no longer with the branch and advised that Erwin vd Merwe Nedbank Kempton Park would address our request. Two months to close the current account with no written confirmation. except that access on online banking reflected a zero balance and was inaccessible to monitor the status. One could only assume that our request had been adhered to as online banking reflected a zero balance and was inaccessible to monitor the status, no further correspondence was forth coming from Nedbank. Jan 2024 via post, a statement of account received reflecting an amount of R1 227.72 outstanding, due to an online transaction from NCH Software. When lodging our complaint with Mr Sean De Necker (Client experience speciliast Nedbank) we were advise we were liable and should contact the Service provider have the transaction reversed and they will write off the transaction fees. 4 April 2024 dissatisfied with the lack of attention by Nedbank the matter was referred to the NFO with our case number *** as follows.

Good day Lisbeth, For your record, please see below the mail received from NCH The online company that debited the Amex card amount in question and have undertaken to refund the amount, seem very reasonable people to deal with and customer centric. I would like to expand on my original complaint against Nedbank’s inefficiencies which could potentially impact in the future in case of the winding up of estates suretyships etc. Besides having had my business account with Nedbank, I had banked with them for over 30 years with a number of loans for my home, Motor vehicle finance via MFC, overdrafts and such like. After having had a negative experience with Business Partners when I sold my house 3 years ago, there was still a suretyship in place for a business loan that was paid back over 20 years ago ! which delayed the transfer of the property while trying to get this resolved, and feel it prudent that an occurrence like this is avoided. Could your organisation please ensure that ALL accounts and ANY debt involving Nedbank be confirmed in writing to have been closed, and indemnify myself or NE Plastic (Pty) Ltd against any further claim.

Yours truly

Lance Whitford

04 July 2024 via post RED LETTER FINAL DEMAND Ref: MVC Corp: ***

Bal balance of R106.44 plus interest totaling R210.00 Threatening possible recording of adverse information to credit bureaus.

19 September 2024 SMS Message from Nedbank.

"Nedbank. Your card ending with 1763, expires on 30 November 2024. Your new card will be sent to Nedbank Rosebank . If you prefer a different branch reply (1) or to arrange personal delivery at R170 (free on Platinum and Private Clients cards) reply (2) within 48 hours. Standard rates apply."