**Subject:** Complaint Regarding Poor Service and Unresolved Issue with My Credit Card Account

Dear HelloPeter Team,

I am writing to lodge a formal complaint regarding the poor service I have received from **Nedbank** in relation to my credit card account. I am extremely dissatisfied with how my situation has been handled, and I believe that Nedbank has acted negligently in resolving the matter because I am Deaf.

**Details of the Issue:** I was handed over to debt collectors for my credit card debt, which I understand to mean that I should no longer have responsibility for the account directly. At the time the debt was handed over, **Nedbank should have immediately taken the necessary steps to cancel or deactivate my credit card**, as I was no longer in control of the debt and had been transferred to a debt collection agency.

However, despite this, I have been continuously charged for the card, even though it has not been used for years. I believe this is an unreasonable and unfair practice, as I should not have been charged further interest or fees after the debt was handed over to the collectors. **I should only have been charged for the amount that was owed to the bank at the time it was handed over to the debt collectors.**

**My Concerns:** 1. **Failure to Cancel Card:** After being handed over to debt collectors, my credit card should have been canceled or deactivated. This did not happen, and as a result, I continue to face ongoing charges despite the fact that the card has been unused for a considerable period. 2. **Continuous Charges:** I am being unfairly charged on an inactive card that has not been used in several years, which seems like an error on Nedbank’s part. I am unable to understand why these charges have continued to accrue after my account was handed over to collections. 3. **Excessive Charges:** The charges I have faced seem to go beyond the amount I owed at the time my account was transferred to debt collectors. I should not be liable for additional fees, interest, or charges that are not consistent with the original amount owed to the bank. 4. **Poor Customer Service:** My attempts to resolve this issue have been met with frustration and a lack of response due to the fact that I am Deaf. I have been treated unfairly by Nedbank, and their failure to take responsibility for this matter has made an already stressful situation worse.

### **What I Expect:** - I request that Nedbank take immediate action to **cancel or deactivate my credit card**, as it should have been done when my account was handed over to debt collectors. - I expect to **cease all further charges**, interest, or fees related to this account moving forward, and for charges to reflect only the original amount owed at the time of transfer. - I would like a formal **explanation and apology** from Nedbank for their failure to act appropriately in managing my account. - A **refund** for any unfair charges app**** during the period when the card should have been deactivated and should have gone towards the debt collectors.

I trust that HelloPeter can assist in resolving this matter, as I have been unable to reach a satisfactory resolution through direct communication with Nedbank. I would appreciate your prompt attention to this issue and look forward to a swift response.

Thank you for your time and assistance.

Sincerely, Kari Hamilton *** *** [Whatsapp only, if you as dare as call me, I will ignore your calls and again I must remind you, I am DEAF."