You really made things happen-We're homeless, no food, no money

<p>Good day,</p> <p>My complaints and queries:</p> <p>1. Credit card cloned yet me and family take the fall</p> <p>2. My whole salary was deducted by credit card department without my consent.</p> <p> </p> <p>To whom it may concern,</p> <p>I have been ridiculed by Nedbank, I have been unemployed for over a year since 2016 May. During my time of employment I had incurred debts like any other citizen in South Africa.</p> <p> </p> <p>My banking partner was Nedbank at the time, I had a</p> <p>- Credit Card,</p> <p>- Cheque Personal Card,</p> <p>- Business Cheque Card</p> <p>- Petrol Card</p> <p>- Personal loan</p> <p> </p> <p>My personal credit card was cloned and used without my consent by *********/perpetrators in Johannesburg vicinity and I am Pretoria based. I did not realize my card was lost until Nedbank called me to say my limit was exceeded. I then checked my card and confirmed it was lost, the lady who spoke to me from the call centre assured me that the card is blocked and furnished me with a reference number, by then the limit exceeded plus charges was at a range of +- R15 000.00. She then advised me to go into the branch and also report to them. I went into the Pretoria Andries+Church branch and they took down all my details and logged a query for me. And guess what Nedbank declined/rejected to say card was chip and pin and was pin pushed.</p> <p> </p> <p>I am based in Pretoria-my card was used in Joburg.</p> <p>I am a Christian, The list of purchases shows a few of night club where alcoholic beverages were purchased.</p> <p>My limit is R10 000.00-The culprits managed to use my account up to R66 000.00 and my bank did not bother to notify me via normal notify me facility when purchases were made.</p> <p>Immediately when the issue was at R15 000.00 I was notified by my bank and I reported my card missing not with me and confirmed the transactions were not made by myself</p> <p>From the R15 000.00, the credit was used up to R66 000.00</p> <p>Nedbank’s security was compromised and I have to suffer as a client</p> <p>My limit being R10 000 how did Nedbank let “Supposed me” use my card up to R66 000.</p> <p>If in any way Nedbank feel that I am the one who used the card **********ly, let them prosecute</p> <p> </p> <p>- Nedbank’s security was hacked and compromised</p> <p>- Our credit agreement is R10 000</p> <p>- Upon my account exceeding the credit agreement limit Nedbank did not bother to contact me or to even say that there’s an unauthorized credit that’s been used on my account</p> <p>- I was not aware that I have an overdraft of R50 000 plus on my credit card</p> <p>It is therefore Nedbank’s responsibility to deactivate my card when they notice there’s funds that was not allocated for me that’s been used in my account which is exceeding what me and Nedbank had on a written contract. But Nedbank realized that their security had been bridged and they resorted to declining my complaint and keep me charging me for something that I do not know anything about.</p> <p> </p> <p>After a year of unemployment I was employed on the 01/05/2017 and knowing my responsibilities I opened a cheque account with Nedbank Johannesburg Fox Street Branch on the 05/05/2017, and instead of my cheque card to be delivered in 2-7 working days it took them about 17 days to deliver my cheque. I suspect the credit card department were fiddling with my account in the background,</p> <p> </p> <p>After a year of toiling and struggling to find employment, on my very first salary that came in on the 25/05/2017 Nedbank Credit card had the audacity to access my bank account via debit order system and clean my account sparkling clean leaving my family with nothing.</p> <p>I have responsibilities and need to get to work in order to continue paying Nedbank on the repayment of my “R10 000 plus Interest” credit but I was left with nothing, my food for my family, no electricity, no transport money to get to work nothing.</p> <p> </p> <p>All my salary deducted</p> <p>I have a statement from Nedbank Credit Card reflecting a May month repayment amount of +- R1900 and yet they accessed my account and debited R14 000.00</p> <p> </p> <p>I need my family’s money refunded into my account and the R2600 bank charges to be paid by Nedbank as I will not be liable for that,</p> <p> </p> <p>No communication</p> <p>If Nedbank Credit department was able to trace my Newly opened Cheque account and load a debit order without my consent or talking to me, clearly they were able to see my most recent contact details and should have taken the liberty to e-mail or contact me to let warn me that they will be deducting my entire salary.</p>