Insecure Banking Platform and Poor Service

There are two concerns with Standard Bank credit card division, one is insecure/poor ***** detection and security protocols, secondly is pathetic service when dealing with a ***** case. At the beginning of January 2023, three amounts of R3000 were **********ly transacted against my credit card via international transactions from Apple. The transactions were processed by Standard Bank without a one time password being provided. There are two major security concerns here, one being that proper security processes were not followed in terms of a one time password not being sent to me to approve the transactions and secondly the automated ***** detection mechanisms did not trigger for what is clearly a suspicions set of transactions (3 X the same value from and international transaction in a short period from a merchant never previously used on the account). This is a clear breach of basic security protocols for banking. Then comes the arduous process of attempting to get the ***** department at Standard Bank to make a refund. Multiple phone calls, a breach of there own SLA in terms of how long an investigation should take and then only one of the transactions being refunded. Now the continued attempts to get their ***** department to finalise refund of the 2 remaining transactions. Numerous phone calls and always being told someone from the investigation department will make contact and then no contact happens. Not once has the investigation department made contact after 1st line support has requested them to do so on numerous occasions. Utterly pathetic service and disregard for clients. The last issue is that with international transactions, a massive service fee is charged. Standard Bank expect clients to separately contact a banker to have these charges reversed instead of the ***** Department doing this. Again, disregard for a clients time and simply pathetic business processes. Insecure banking platform and poor service is the order of the day with Standard Bank.