***** CASE AGAINST STANDARD BANK SA

I am Rajendra Harkoo. On 13 July 2025 I filled fuel for R840.97 at the Astron garage on Chris Hani Road in Durban. After attempting an ATM withdrawal there I was accosted by someone pretending to help; I resisted and the person disappeared with my card. I phoned Standard Bank at 17:46 the same day, completed their verification, told the agent my card had been ****** and that my PIN had been compromised, and was told the card would be stopped. The agent confirmed a R2,000 ATM withdrawal (which was debited from my linked savings account) and sent an identity SMS to my phone at 17:51 while I was on the call. The agent twice confirmed that only R2,000 had been taken and that no further transactions would occur. A few days later, once I received a replacement card and accessed my account, I discovered five high‑value POS transactions I did not authorise; these posted on 16 July, three days after my card had supposedly been stopped. I reported this to my banker, who referred the matter to the bank’s ***** Department. Standard Bank made two “goodwill offers” (R24,210.24 and later R29,652.29) but in a review dated 18 December 2025 declined full reimbur*****t for the five POS transactions. I never received any SMS alerts for those POS transactions and the bank’s agent could not account for them; I believe the bank did not conduct a proper investigation. Five near‑concurrent POS approvals at the same merchant in about two minutes is an obvious velocity anomaly and, given the agent’s assurances, created a reasonable expectation that losses were contained. I request that Standard Bank reimburse the five POS transactions and the R2,000 ATM cash‑out, reverse related fees and interest, and correct any adverse credit bureau impacts — total requested reimbur*****t R98,000. I ask the Ombud to intervene; related case references are SAPS CAS 17/01/2026 and NFOSA Executive complaint case number ***3.