NEDBANK DISGUSTING SERVICE AND ATTITUDE

Afternoon Celeste

We are in receipt of your reply Email below, and express absolute SHOCK AND DISGUST ;

PROVIDE US PROOF THAT WE APPROVED THAT NEDBANK CARD COULD CHARGE OUR ACCOUNT WITHOUT US BEING IN PROSSESSION OF ANY CARD…….18 MONTHS WITHOUT A CARD, BUT ACCOUNT CHARGED EACH MONTH. YOU CLAIM LEGITIMATE CHARGES…. WHAT AN INSULT TO YOUR CLIENT.

NEDBANK WASTES OUR TIME, BY SENDING SMS MESSAGES, ADVISING THAT THE CARD IS AT FOURWAYS BRANCH. WE WAIT IN THE ENDLESS QUEUES, ALMOST ON PENSION, BEFORE BEING ATTENDED TO, WHISLT WITNESSING NEDBANK STAFF OPERATING AT A SNAILS PACE. WE HAVE EXPERIENCED 2 SUCH SITUATIONS

YOU ARE REPEATING THE SAME ISSUE AS WE HAD PREVIOUSLY, REGARDING CYCLES AND PAYMENTS. TAKE SOME INTEREST AND SHOW SINCERITY, BY LISTENING TO NEDBANK RECORDED MESSAGES, WHERE WE WERE ADVISED BY NEDBANK CARD, TO MAKE A PAYMENT OF R 600.00, TO BE ABLE TO RELEASE THE CARD. WE MADE A PAYMENT OF R 1 000.00, BUT NEDBANK DEFAULTED BY NOT HONOURING AND SUPPLYING THE CARD. ONCE AGAIN YOU ARE REPEATING THE SAME MESSAGE, DESPITE NEDBANK DEFAULT, AND REQUESTING THE SAME AGAIN.

YOU HAVE ABSOLUTELY NO UNDERSTANDING OF THE FRUSTRATION AND ANGER THAT YOU RAISE IN YOUR LONG STANDING CLIENTS, WITH YOUR LACK OF SINCERITY AND “SLAP DASH ATTITUDE”. TOO MUCH EFFEORT TO ATTEND TO THIS LONG OUTSTANDING ISSUE….ONLY 18 MONTHS…AND NOTHING RESOLVED

WE WELCOME THE SURVEY OFFERED BY NEDBANK, BUT TO DATE NOBODY HAS HAD THE GUTS TO CALL US.

THIS MATTER IS NOT FINAL. WE EXPECT AND DEMAND OUR CREDIT, AND NOW ARE LOGGING THIS ON HELLOPETER, AND OTHER PUBLIC PLATFORMS. WE ARE NOT THE ONLY DISGRUNTLED NEDBANK CLIENTS, AS PREVIOUSLY ADVISED. WE HAVE OTHER BUSINESS ASSOCCIATES WITH LARGE INVESTMENTS WITH NEDBANK, THAT ARE EXTREMELY UNHAPPY WITH NEDBANK ATTITUDE AND SERVICES, THAT THEY ARE MOVING THEIR ACCOUNTS AND INVESTMENTS, AWAY FROM NEDBANK.

NEDBANK SHOULD LEARN TO LIVE UP TO, AND HONOUR THEIR ADVESTISING, WHICH IS TOTALLY DISHONEST AND *********. NEDBANK DOES NOT CARE ABOUT CUSTOMERS, NOR SHOWS INTEREST IN LISTENING.

WE EXPECT A PROMPT AND POSITIVE REPLY.

From: Stanley, C. (Celeste) *** Sent: Tuesday, 28 December 2021 14:58 To: *** Cc: Rama, N. (Nayen) *** Subject: [WARNING : MESSAGE ENCRYPTED]RE: CCM: ***3 CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 )

Good day Mr RIJAVEC

We refer to the above matter:

The replacement card for the abode account presently cannot be ordered as the account remains 2 OR MORE CYCLES IN ARREARS. The last payment was received in August 2021.

All the charges on the account are legitimate ,and the monthly account fees due will be charged as per your contract even when the Account is not being used.Regretfully for this reason we are not in a position to refund any of the charges .

Kindly make payment as per below minimum due in order for us the order a replacement card.

We acknowledge that the above feedback may not align with your expectations on the resolution of this matter and trust that my feedback assists you. Mr RIJAVEC may be requested to complete a survey which you should receive in the next 48 or 72 hours. The survey will include 2 questions regarding your service experience with from Nedbank Client Services. We would appreciate your participation and feedback by rating your interaction relating to the investigation and resolution of your complaint. Kind regards

Celeste Stanley

Client Services Manager | Client Experience | Nedbank Ltd PO Box 1144, Johannesburg 2000, South Africa T +27 (0)10 *** F +27 (0)10 *** @ *** Website nedbank.co.za The South African Banking Risk Information Centre has warned South Africans to be aware of vishing attacks – where ********** pose as bank or service providers and try to get unsuspecting victims to disclose personal information to ***** their money. "If you receive an OTP on your phone without having transacted yourself, it is likely that it is a ********* who has used your personal information," states the centre's website. "Do not provide the OTP telephonically to anybody.

From: *** <***> Sent: Tuesday, 21 December 2021 12:22 To: Stanley, C. (Celeste) <***> Cc: Rama, N. (Nayen) <***> Subject: RE: CCM: ***3 CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 ) Importance: High

CAUTION - EXTERNAL SENDER - Please be careful when opening links and attachments. Nedbank - IT Information Security Department (ISD) Good morning Celeste

Your Email was only received yesterday.

PLEASE READ ALL THE Emails THAT I SENT BELOW. ( 9 NOVEMBER 2021 )

IF YOU READ, YOU WILL UNDERSTAND THE CONCERNS.

EXPECTING YOUR EARLY ATTENTION AND REPLY

From: Stanley, C. (Celeste) *** Sent: Tuesday, 14 December 2021 20:39 To: *** Subject: FW: CCM: ***3 CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 ) Importance: High

Dear PAOLO RIJAVEC Thank you for logging your concerns with us. We have logged the matter under *** Kindly note that I am the Client Service Manager assigned to your case and my contact details are as follows: Contact number: *** & Email address: *** Kinkdy provide me the details of your concerns ,so that we can assist We sincerely apologise for the client experience in this regards. Thank you Kind regards

Celeste Stanley

Client Services Manager | Client Experience | Nedbank Ltd PO Box 1144, Johannesburg 2000, South Africa T +27 (0)10 *** F +27 (0)10 *** @ *** Website nedbank.co.za The South African Banking Risk Information Centre has warned South Africans to be aware of vishing attacks – where ********** pose as bank or service providers and try to get unsuspecting victims to disclose personal information to ***** their money. "If you receive an OTP on your phone without having transacted yourself, it is likely that it is a ********* who has used your personal information," states the centre's website. "Do not provide the OTP telephonically to anybody.

From: *** <***> Sent: Tuesday, 14 December 2021 12:13 To: 'Xorile, I. (Innocentia)' <***> Cc: ***; 'Groenewald, L. (Leonore)' <***>; ***; *** Subject: RE: CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 ) Importance: High

From: *** <***> Sent: Thursday, 09 December 2021 15:31 To: 'Xorile, I. (Innocentia)' <***> Cc: ***; 'Groenewald, L. (Leonore)' <***> Subject: RE: CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 ) Importance: High

From: *** <***> Sent: Monday, 06 December 2021 10:05 To: 'Xorile, I. (Innocentia)' <***> Cc: ***; 'Groenewald, L. (Leonore)' <***> Subject: RE: CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 ) Importance: High

From: *** <***> Sent: Tuesday, 23 November 2021 14:57 To: 'Xorile, I. (Innocentia)' <***> Cc: *** Subject: RE: CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 ) Importance: High

Afternoon Innocentia

I have called the number below, on many occasions, only to be bounced around like a ping pong ball.

My battle has been with credit card division since June 2020. I understand that it is not your department, but I certainly hope that I get some response from card division, before going on pension.

From: Xorile, I. (Innocentia) <***> Sent: Tuesday, 23 November 2021 10:12 To: *** Subject: RE: CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 )

Good Morning Mr P Rijavec

I have forwarded your query to the relevant department assistance since the matter it is not in our space(Department) and this is the respond I got. Please note that clients need to go via NCC

Please contact the following number *** Regards Innocentia

From: *** <***> Sent: Tuesday, November 23, 2021 09:34 To: Visa/Mastercollect <***> Cc: Xorile, I. (Innocentia) <***> Subject: RE: CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 ) Importance: High

CAUTION - EXTERNAL SENDER - Please be careful when opening links and attachments. Nedbank - IT Information Security Department (ISD)

From: *** <***> Sent: Friday, 19 November 2021 11:45 To: *** Cc: 'Xorile, I. (Innocentia)' <***> Subject: RE: CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 ) Importance: High

ANGER FRUSTRATION DISGUST WITH NEDBANK LACK OF SERVICE AND PATHETIC ATTITUDE

HELLOPETER SECOND EXPOSURE STATES……..

HAVING MANY CONVERSATIONS WITH NEDBANK CARD AND NEDBANK STAFF, INCLUDING EMAILS, REGARDING THE CREDIT CARD ISSUE, I EVEN GET A RECEIPT TO MY EMAIL,............

BUT NO REPLY

ABSOLUTELY INCREDIBLE LACK OF SERVICE, PATHETIC ATTITUDE, ACHIEVING EXPLOSIVE EMOTIONS.

TO THINK THAT A BANKING INSTITUTION LIKE NEDBANK, CAN HAVE THIS KIND OF .... NO CARE ATTITUDE TOWARDS A CLIENT THAT HAS BEEN BANKING WITH THEM FOR APPROXIMATELY 40 YEARS

DISGUSTED AND FRUSTRATED

WE EXPECT AN URGENT REPLY

From: *** <***> Sent: Thursday, 11 November 2021 10:31 To: *** Subject: FW: CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 ) Importance: High

From: *** <***> Sent: Thursday, 11 November 2021 10:30 To: 'Xorile, I. (Innocentia)' <***> Subject: RE: CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 ) Importance: High

Good Morning Innocentia

ONCE AGAIN, I EXPRESS ABSOLUTE ANGER AND FRUSTRATION, AS YOU HAVE NOT READ MY EMAIL

SEEMS LIKE YOU DO NOT UNDERSTAND ENGLISH.

IF YOU DO NOT HAVE A CLIENT’S INTEREST AT HEART, PLEASE ADVISE, SO THAT WE TAKE NECESSARY ACTION TO EXPOSE THIS ON PUBLIC PLATFORMS.

From: Xorile, I. (Innocentia) <***> Sent: Wednesday, 10 November 2021 14:25 To: *** Subject: RE: CREDIT CARD & AMERICAN EXPRESS SHOP CARD ( ***28591 1 )

Good Day Mr P Rijavec

Thank you for the below email, your credit card is currently 3 months in arrears with the minimum instalment is R330.00 including the new instalment due on the 03/12 minimum amount will be R 2,751.52

Please respond on email *** Should you have any further queries, please contact our customer number: (086)***

Regards

From: *** <***> Sent: Tuesday, November 09, 2021 12:29 To: Visa/Mastercollect <***> Subject: CREDIT CARD & AMERICAN EXPRESS SHOP CARD Importance: High

CAUTION - EXTERNAL SENDER - Please be careful when opening links and attachments. Nedbank - IT Information Security Department (ISD)

Good Afternoon

I have serious issues regarding the above two cards :

CREDIT CARD ***59 (SPONSORED CARD)

The above card EXPIRED 06/2020 I received messages to collect the new card at FOURWAYS MALL BRANCH When going to collect the card, after waiting in reception, almost going on pension, I was advised that there was no card for collection. This happened on two separate occasions. The account has been debited with  CARD FEE  V.A.T.  INTEREST

I HAVE BEEN FIGHTING WITH NEDBANK SINCE 2020, FOR THE REPLACEMENT CARD, AS WELL AS THE CREDIT FOR THE ABOVE CHARGES.

ATTACHED IS A COPY OF MY Email ADDRESSED TO FOURWAYS BRANCH, DATED 17 SEPTEMBER 2020.

AMERICAN EXPRESS / SHOP CARD ***03382 On your records, you will note the usage of this card, However, the “points” allocation on the ATM, does not reflect the correct amount.

I AM EXPECTING URGENT ATTENTION AND REPLY TO THE ABOVE TWO MATTERS, FAILING WHICH I WILL LOG THESE ISSUES ON PUBLIC PLATFORMS, INCLUDING HELLOPETER.

I HAVE BEEN VERY PATIENT WITH NEDBANK, BUT ENOUGH IS ENOUGH.