Bad service and bad admin system

<p>Good Day,</p> <p>I received a call in July from loan department that my account is in arrears, then I made arrangement with the lady who called me that they should debit twice at the end of the month of July, I then later received a message confirming the arrangement. I was surprised at the end of the month that the debit went through but it was July month only meaning my account is still in arrears and my instructions were not followed.</p> <p>I then tried make phone calls to the loan department, when they answer they hang up, for like 3 times. I then stopped calling I tried again 2 days later still I was not lucky. I then waited for the bank to call me to ask me about my account so that I can get hold of someone to help me, the bank didn't call me for about a week, I then decided to call again today, the guy I spoke with he said he can't SMS me the account that I need to pay money to but he can email, I gave him my email address I waited for about 3 hours but the was nothing. I then realized that I should go to the branch to get help, but things got worse when I get to the bank.</p> <p>A lady by the name of Belinda was assisting me, I asked her for the account that I can pay to or if I can pay with the FNB card, then she gave me a phone number that I need to call CDM department, she said the bank doesn't help with accounts in arrears, then I said I can't phone, I've tried that before. I then told her is fine if she doesn't want to help.</p> <p>After the loan issue I asked her if I can close my cheque account because I haven't received the card as I was promised, the account is charging me for something that I am not using. Is been 3 to 4 months since I opened it but I haven't received the card, she refused to close it she said is owning, I said how can it owe when I haven't received a card and I haven't used it. Same as overdraft I was told that it will be activated when I move my salary to Standard/Stanbic bank but I never did but my overdraft is active and is charging me around R400 a month for overdraft that I haven't used or activated.</p> <p>1. The complaint I have is the level of the service I received from the branch.<br />2. The person I spoke to over the phone about the arrangement of my loan account who said they will do double debit and they never did.<br />3. Belinda for refusing to help me with paying the loan account that is in arrears and refusing to close the account that I am not using/haven't received the card.<br />4. My credit is bad Because the bank didn't honor my arrangement for double debit.</p>