NEDBANK employees involved in a syndicate

Nedbank employees but not all of them. Call centre in Sandton and the following branches in the Western Cape: Brackenfell Paarl Mall

Are a part of a syndicate partnering with the Law enforcements, Police (SAPS), Private Securities to name a few (SJC, Titanium, Bolt, Fidelity etc) in ***** and this is the reason why most complaints are not successful. From the 29th/30th October 2022 till the 17th of November 2022 they have been deducting money *******ly from my account each time I request them to refund me they will fight with me but eventually they refunded me on 2 separate occasions. I am currently unemployed since August 2022 and I have a home loan and a personal loan with them which I have been paying without fail, so because I had financial constraint in September 2022 before month end if not early October I decided to notify them that I won’t be able to pay my debts as usual due to being unemployed. With home loan I requested a 3 months grace period from October 2022 and I was granted and am greatfull for that. Then I made arrangements to pay less on my personal loan, and it was approved to pay R1000 for 2 months starting September 2022 till October 2022. So the problem started in October 2022 before month end. They deducted R1000 as was approved as an arrangement, and R3620 in 1 week which made my account to have a negative balance. I went to the branch in Paarl and was told there is a reason for them to do this and they advised me to contact the call centre. The person who assisted me said it is because my account is in arrears so that’s the reason. Then I asked what’s the point of approving the arrangement I made with them if they will later act against it? He said maybe it’s because I did not make new arrangements for Nov 2022 and Dec 2022, I told them NEDBANK advised me to do that month end and it’s not yet month end (last day of the month), I requested a refund and made new arrangements of R1100 as they said I must increase the arrangement as I am not allowed to make it less or same as the previous for the said months Nov & Dec2022. A couple of weeks after, they deducted R1596 with the description PYMNT, they said it is for my personal loan. This time they were personal telling me that I was suppose to think about my debts before considering being unemployed, and that I would have thought about interest and arrears and how to cover that. They even went as far as telling me that they deducted the money for a personal loan because the arrangements I made for end of November 2022 of R1100 is soo small and has been declined, I must therefore make a new arrangement. I asked them how am I going to do that when I am still unemployed? And I do not want to make false arrangements, they said if I want them to refund me the money I must first increase the arrangement. We argued for 30 mins if not more until I said R3000 and told the lady named Refilwe who refused to give me her surname that I do not know where am I going to get the money she is forcing me to pay. She hung up the phone and on my cellphone I was requested to accept or decline a Debi check of R3620 of which I declined it. I called them again requesting a refund, and was assisted by another lady with an attitude but assisted anyway, and my money was refunded 2 days after. Even though they said it will take 4 days for them to refund me and then when I question that it was done in 2 days. Another thing, my overdraft was used without me using it. I do not know how they do it, whenever I go inside a branch to complain when I go outside there will be a law enforcement van or a police van SAPS , private security in their cars looking at me. And when I get inside my car they will drive off. I know this because they have been following me and spying on me wherever I go until I arrive in my house. If I’m not going anywhere they will drive in my street and take a u turn next to my house or stand at a distance facing my house. Only to find out there is a tracker in my car I was relieved when I changed the car and drive another one. I know we are heading towards The festive season I urge you ppl to be vigilant, avoid swiping numerous times, try to make your debit orders as few as possible because that’s when I was able to see the discrepancy on my account. Constantly monitor your transactions and balances and do not rely on your cellphone, because when they deduct they deactivate your cellphone from their system so that it will not report anything and then you will realise later if there is something wrong, it happened to me and I had to ask them why the transactions are not reporting in my phone, they did not answer they just activated it in front of me. Lastly they deduct up to R200+ bank charges from my child’s 4me account and at her charges whenever my child uses her card. They deducted R247.00 from my account as bank charges on top of R220 monthly fee. Moreover they were used in deducting charges on my credit card excl. interest. Even if people find it difficult to believe this I urge them to be extra careful!