NEDBANK / FNB - *****

On the 5th April I made an internet transfer of R86 000 into account Seymore Du Toit Account number ***, Nedbank( Please see attached).

This was a deposit I made for the house I’m in the process of purchasing. This money was a loan taken from Capitec which was transferred into my FNB account.

On 9th April I got a call from FNB trying to confirm the account number I used to when I deposited the money. I was then advised to get the attorney that I was using on the line and confirm that account number. I was unable to get hold of Alda that I was communicating from the attorney and advised FNB. The lady on the line from FNB told me she has Nedbank on the line and wants to know if I authorized the payment. I tried to find out what was the problem and could not get a straight answer from her. She advised me to confirm the details and someone else will call.

In the meantime I managed to confirm the bank account number from Stella at Seymore Du Toit & Basson which was Nedbank, account number ***. When I heard Stella repeat this account number to me I was horrified at what I was listening too. I immediately contacted FNB to report *****. I was then advised to report the matter and get a case number which I did.CAS78/04/2019

Yesterday 23RD April, FNB sends me the below email stating they were unable to recover the money and I am welcome to contact the Ombudsman if I am dissatisfied with the out. Yes I am dissatisfied I am out off R86 000.

My concerns as follows:

•Note on the POP; Name : Seymore Du Toit (why do we have an account holder name if this is not important, should the bank not picked that up immediately. Account number and account holder don’t match) •FNB could have picked it up immediately before releasing the money to Nedbank. •Had FNB missed it, then Nedbank would have picked up the miss match account holder to account number. •9TH April Nedbank picked up it was a ********** account, instead of stopping the money they contact FNB •Note the time delay. •FNB contacts me well knowing it’s a ********** account still wants me to confirm account numbers instead of placing the money on hold. •Called FNB back reported as *****. •Got a case number -CAS78/04/2019 •While at the police station I get another call from FNB who wants me to confirm if I authorized the payment of R86 000 •On the 10th April I email the case number as requested to Arlene. No feedback if she received it. Just anAutomatic reply: 2*** - [External Email] •Later that afternoon I called Alene to find out what’s going on. •Arlene then advised she received my email. If I had not called no contact from FNB. •15TH April I sent Alene another email for feedback, she then rep**** me the process takes 7-14 working days. •23rd April my estate agent calls Alene for some feedback, she wants me to call instead cannot give any info. (which I understand) •23rd April I called Alene and she advised me again she is awaiting Nedbank. •23rd April later in the afternoon I get the below email.

FNB/Nedbank had been stringing me along from the 9th April 2019. ***** consultants are able to see what’s going on immediately. Going back to my 1st point mismatch names for the account number, straight away one can note that is not correct. I have worked in a recovery department before, please don’t give me excuses. I am not blaming Alene but I need facts of what’s going on here. Why did I have to even open a case if there was already no money to be recovered. For the banks to plays games with people like me.

I get this email with no explanation, who is the account holder of this alias account. Both FNB/Nedbank were sleeping and could not pick up ********** activity. Please get rid of the department because they start acting after the ***** has happened. Do not put all the blame on me and expect me to sit back and relax. Further to this I sent an email to the ombudsman as request by FNB. when I emailed the ombudsman I needed an complete application for assistance but now I need the following. 1.2. Ask for a Complaint Reference Number from your Bank’s Dispute Resolution Unit.

1.3. Allow the Bank’s Dispute Resolution Unit 20 working days to try and resolve your complaint.

1.4. Obtain a written response from your Bank’s Dispute Resolution Unit. I emailed both the banks. A Shalini Naidoo from FNB called me to query if anyone called me from FNB and I told her nobody did call. She advised me she will give my cell number to the department for somebody to call. Till date nobody called. As for Nedbank they useless no response from emails. This is how our bank operate makes me wonder if its the people inside the bank that are *****ing our money. Go into Nedbank and the tellers will tell you it happened countless times. So when this is happening all the time, why cant you do something about it. I want my money back ASAP.

We cannot get help regardless of who you turn too. Close your doors NEDBANK/FNB

Thank you Lerusha