CM
Ctha M
1 reviews | Active since Sept 2016
30 Jun 2025, 21:19
Poor treatment and prejudice to loyal and long standing clients
Dear Standard Bank,
I'm writing to express my disappointment and frustration with the treatment I've received from your bank regarding my home loan applications. As a loyal customer who has banked with Standard Bank since I started working, I was surprised and dismayed by the inconsistent service I've experienced.
After being approached by Standard Bank to upgrade to Prestige Banking, which I did, I expected a higher level of service and consideration. However, when I app**** for a home loan, I was excluded or declined, while customers who don't even bank with Standard Bank were offered home loans. This raises questions about the bank's treatment of its loyal customers.
I've had two previous experiences where Nedbank offered me home loans after Standard Bank declined or ignored me. Currently, I'm applying for a third home loan, and again, Nedbank, FNB, and Absa have offered their support, while Standard Bank has ignored or declined my application.
Given my excellent credit score and repayment history, I'm puzzled by Standard Bank's decisions. I've never defaulted or missed a repayment, and I've invested significantly with the bank, including nearly a million at one point.
I hope you'll investigate this matter and provide a clear explanation for the discrepancy in your treatment of my home loan applications. As a loyal customer, I expect better service and consideration.
Helpful (0)
Replies (4)0
Replies (4)
Standard Bank's replyOfficial
01 Jul 2025, 07:16Dear Ctha
Thank you for bringing this issue to our attention.
As Standard Bank, we are committed to providing you with the best possible service and will ensure that this issue is taken care of.
We sincerely apologize for any inconvenience or unwarranted frustration this has given you.
Kindest regards
Standard Bank Hello Peter Team
***
Thank you for bringing this issue to our attention.
As Standard Bank, we are committed to providing you with the best possible service and will ensure that this issue is taken care of.
We sincerely apologize for any inconvenience or unwarranted frustration this has given you.
Kindest regards
Standard Bank Hello Peter Team
***
Standard Bank's reply01 Jul 2025, 07:16
Official
Dear Ctha
Thank you for bringing this issue to our attention.
As Standard Bank, we are committed to providing you with the best possible service and will ensure that this issue is taken care of.
We sincerely apologize for any inconvenience or unwarranted frustration this has given you.
Kindest regards
Standard Bank Hello Peter Team
***
Thank you for bringing this issue to our attention.
As Standard Bank, we are committed to providing you with the best possible service and will ensure that this issue is taken care of.
We sincerely apologize for any inconvenience or unwarranted frustration this has given you.
Kindest regards
Standard Bank Hello Peter Team
***
CM
Ctha M's updateReviewer Update
02 Jul 2025, 21:30Dear Standard Bank,
May I have final feedback regarding my query as I need to make a decision on whether I move my salary, debit orders and savings to another bank. I have pending offers which are expiring tomorrow, 03 July also payroll cut off for bank details changes with my company is also on the same date. Please advise.
May I have final feedback regarding my query as I need to make a decision on whether I move my salary, debit orders and savings to another bank. I have pending offers which are expiring tomorrow, 03 July also payroll cut off for bank details changes with my company is also on the same date. Please advise.
CM
Ctha M's update02 Jul 2025, 21:30
Reviewer Update
Dear Standard Bank,
May I have final feedback regarding my query as I need to make a decision on whether I move my salary, debit orders and savings to another bank. I have pending offers which are expiring tomorrow, 03 July also payroll cut off for bank details changes with my company is also on the same date. Please advise.
May I have final feedback regarding my query as I need to make a decision on whether I move my salary, debit orders and savings to another bank. I have pending offers which are expiring tomorrow, 03 July also payroll cut off for bank details changes with my company is also on the same date. Please advise.
CM
Ctha M's updateReviewer Update
03 Jul 2025, 18:53Dear Standard Bank,
Re: Request for Contact Information regarding ************** Complaints
While my latest application is still pending, I kindly request the contact information for the department that handles customer complaints related to **************, as per the National Credit Regulator (NCR) Act. I believe I have been discriminated against in my dealings with Standard Bank, and the following instances support my claim:
1. October 2016: I app**** for a home loan and was declined without a concrete reason. However, another bank approved the same loan, which raises questions about the fairness of Standard Bank's decision-making process.
2. May 17, 2018: I app**** for a credit card limit increase and was initially declined. After lodging a formal complaint, the increase was granted, but the credit limit is currently in surplus. This experience begs the question of what criteria were used to exclude me from receiving an increase in the first place.
3. Prestige Banking Relationship: I was approached by Standard Bank to upgrade to Prestige Banking, which I did. As a valued customer, I expected a higher level of service and personalized attention. However, my experiences with loan applications and communication have fallen short of my expectations.
4. April 2024: I app**** for another home loan, which was ignored without any valid reason. Meanwhile, another bank offered me the same loan at a very low-interest rate. This disparity in treatment suggests potential bias or unfair practices.
5. Invitation to Private Banking: On May 12, 2024, I received an email inviting me to upgrade from Prestige Banking to Private Banking. However, given my consistent and repeated experiences of ************** since 2016, I did not take up the offer. It seems that the bank's efforts to retain and grow its relationship with me are not aligned with its actual treatment of my business.
6. Comparison of Customer Treatment: I would like to understand the criteria used by Standard Bank to evaluate and treat customers with financial profiles similar to mine compared to those with less favorable profiles. This would help me understand whether I have been unfairly singled out or if there is a systemic issue within the bank.
Furthermore, I would like to bring to your attention that Standard Bank has been ranked among the lowest in customer satisfaction ratings. The treatment of loyal customers like myself seems to be a contributing factor to this ranking. I believe it would be in the bank's best interest to redesign its Customer Value Proposition (CVP) to prioritize fair treatment and excellent service, as no organization is indispensable in today's competitive market.
Given these instances, I believe it is essential to investigate whether Standard Bank's actions constitute **************. I would appreciate it if you could provide the contact information for the relevant body that regulate banks as I would like to lodge a formal complaint and escalate my concerns.
Please provide the necessary contact details, including the name, email address, and phone number of the person or body
responsible for handling ************** complaints.
Thank you for your attention to this matter.
Re: Request for Contact Information regarding ************** Complaints
While my latest application is still pending, I kindly request the contact information for the department that handles customer complaints related to **************, as per the National Credit Regulator (NCR) Act. I believe I have been discriminated against in my dealings with Standard Bank, and the following instances support my claim:
1. October 2016: I app**** for a home loan and was declined without a concrete reason. However, another bank approved the same loan, which raises questions about the fairness of Standard Bank's decision-making process.
2. May 17, 2018: I app**** for a credit card limit increase and was initially declined. After lodging a formal complaint, the increase was granted, but the credit limit is currently in surplus. This experience begs the question of what criteria were used to exclude me from receiving an increase in the first place.
3. Prestige Banking Relationship: I was approached by Standard Bank to upgrade to Prestige Banking, which I did. As a valued customer, I expected a higher level of service and personalized attention. However, my experiences with loan applications and communication have fallen short of my expectations.
4. April 2024: I app**** for another home loan, which was ignored without any valid reason. Meanwhile, another bank offered me the same loan at a very low-interest rate. This disparity in treatment suggests potential bias or unfair practices.
5. Invitation to Private Banking: On May 12, 2024, I received an email inviting me to upgrade from Prestige Banking to Private Banking. However, given my consistent and repeated experiences of ************** since 2016, I did not take up the offer. It seems that the bank's efforts to retain and grow its relationship with me are not aligned with its actual treatment of my business.
6. Comparison of Customer Treatment: I would like to understand the criteria used by Standard Bank to evaluate and treat customers with financial profiles similar to mine compared to those with less favorable profiles. This would help me understand whether I have been unfairly singled out or if there is a systemic issue within the bank.
Furthermore, I would like to bring to your attention that Standard Bank has been ranked among the lowest in customer satisfaction ratings. The treatment of loyal customers like myself seems to be a contributing factor to this ranking. I believe it would be in the bank's best interest to redesign its Customer Value Proposition (CVP) to prioritize fair treatment and excellent service, as no organization is indispensable in today's competitive market.
Given these instances, I believe it is essential to investigate whether Standard Bank's actions constitute **************. I would appreciate it if you could provide the contact information for the relevant body that regulate banks as I would like to lodge a formal complaint and escalate my concerns.
Please provide the necessary contact details, including the name, email address, and phone number of the person or body
responsible for handling ************** complaints.
Thank you for your attention to this matter.
CM
Ctha M's update03 Jul 2025, 18:53
Reviewer Update
Dear Standard Bank,
Re: Request for Contact Information regarding ************** Complaints
While my latest application is still pending, I kindly request the contact information for the department that handles customer complaints related to **************, as per the National Credit Regulator (NCR) Act. I believe I have been discriminated against in my dealings with Standard Bank, and the following instances support my claim:
1. October 2016: I app**** for a home loan and was declined without a concrete reason. However, another bank approved the same loan, which raises questions about the fairness of Standard Bank's decision-making process.
2. May 17, 2018: I app**** for a credit card limit increase and was initially declined. After lodging a formal complaint, the increase was granted, but the credit limit is currently in surplus. This experience begs the question of what criteria were used to exclude me from receiving an increase in the first place.
3. Prestige Banking Relationship: I was approached by Standard Bank to upgrade to Prestige Banking, which I did. As a valued customer, I expected a higher level of service and personalized attention. However, my experiences with loan applications and communication have fallen short of my expectations.
4. April 2024: I app**** for another home loan, which was ignored without any valid reason. Meanwhile, another bank offered me the same loan at a very low-interest rate. This disparity in treatment suggests potential bias or unfair practices.
5. Invitation to Private Banking: On May 12, 2024, I received an email inviting me to upgrade from Prestige Banking to Private Banking. However, given my consistent and repeated experiences of ************** since 2016, I did not take up the offer. It seems that the bank's efforts to retain and grow its relationship with me are not aligned with its actual treatment of my business.
6. Comparison of Customer Treatment: I would like to understand the criteria used by Standard Bank to evaluate and treat customers with financial profiles similar to mine compared to those with less favorable profiles. This would help me understand whether I have been unfairly singled out or if there is a systemic issue within the bank.
Furthermore, I would like to bring to your attention that Standard Bank has been ranked among the lowest in customer satisfaction ratings. The treatment of loyal customers like myself seems to be a contributing factor to this ranking. I believe it would be in the bank's best interest to redesign its Customer Value Proposition (CVP) to prioritize fair treatment and excellent service, as no organization is indispensable in today's competitive market.
Given these instances, I believe it is essential to investigate whether Standard Bank's actions constitute **************. I would appreciate it if you could provide the contact information for the relevant body that regulate banks as I would like to lodge a formal complaint and escalate my concerns.
Please provide the necessary contact details, including the name, email address, and phone number of the person or body
responsible for handling ************** complaints.
Thank you for your attention to this matter.
Re: Request for Contact Information regarding ************** Complaints
While my latest application is still pending, I kindly request the contact information for the department that handles customer complaints related to **************, as per the National Credit Regulator (NCR) Act. I believe I have been discriminated against in my dealings with Standard Bank, and the following instances support my claim:
1. October 2016: I app**** for a home loan and was declined without a concrete reason. However, another bank approved the same loan, which raises questions about the fairness of Standard Bank's decision-making process.
2. May 17, 2018: I app**** for a credit card limit increase and was initially declined. After lodging a formal complaint, the increase was granted, but the credit limit is currently in surplus. This experience begs the question of what criteria were used to exclude me from receiving an increase in the first place.
3. Prestige Banking Relationship: I was approached by Standard Bank to upgrade to Prestige Banking, which I did. As a valued customer, I expected a higher level of service and personalized attention. However, my experiences with loan applications and communication have fallen short of my expectations.
4. April 2024: I app**** for another home loan, which was ignored without any valid reason. Meanwhile, another bank offered me the same loan at a very low-interest rate. This disparity in treatment suggests potential bias or unfair practices.
5. Invitation to Private Banking: On May 12, 2024, I received an email inviting me to upgrade from Prestige Banking to Private Banking. However, given my consistent and repeated experiences of ************** since 2016, I did not take up the offer. It seems that the bank's efforts to retain and grow its relationship with me are not aligned with its actual treatment of my business.
6. Comparison of Customer Treatment: I would like to understand the criteria used by Standard Bank to evaluate and treat customers with financial profiles similar to mine compared to those with less favorable profiles. This would help me understand whether I have been unfairly singled out or if there is a systemic issue within the bank.
Furthermore, I would like to bring to your attention that Standard Bank has been ranked among the lowest in customer satisfaction ratings. The treatment of loyal customers like myself seems to be a contributing factor to this ranking. I believe it would be in the bank's best interest to redesign its Customer Value Proposition (CVP) to prioritize fair treatment and excellent service, as no organization is indispensable in today's competitive market.
Given these instances, I believe it is essential to investigate whether Standard Bank's actions constitute **************. I would appreciate it if you could provide the contact information for the relevant body that regulate banks as I would like to lodge a formal complaint and escalate my concerns.
Please provide the necessary contact details, including the name, email address, and phone number of the person or body
responsible for handling ************** complaints.
Thank you for your attention to this matter.
CM
Ctha M's updateReviewer Update
04 Jul 2025, 08:17Subject: Withdrawal of Loan Application due to ************** Concerns
Dear Standard Bank Loan Department,
I am writing to inform you that I am withdrawing my loan application from Standard Bank, effective immediately. The reason for this decision is due to the consistent and repeated experiences of ************** I have faced in my dealings with the bank.
Despite being approached to upgrade to Prestige Banking and receiving an invitation to Private Banking, my experiences with loan applications and communication have been unsatisfactory. Specifically:
- My home loan application was declined in 2016 without reason, while another bank approved it.
- My credit card limit increase was initially declined in 2018, and only granted after a formal complaint.
- My recent home loan applications were ignored without valid reasons, while other banks offered loans.
Given these experiences, I have lost trust in Standard Bank's ability to treat me fairly and without bias. I believe it is in my best interest to explore alternative banking options that can provide me with the level of service and respect I deserve.
I request that you cancel my loan application and close my file.
Please assist with details for me to lodge a formal complaint for all the ************** I have experienced.
Dear Standard Bank Loan Department,
I am writing to inform you that I am withdrawing my loan application from Standard Bank, effective immediately. The reason for this decision is due to the consistent and repeated experiences of ************** I have faced in my dealings with the bank.
Despite being approached to upgrade to Prestige Banking and receiving an invitation to Private Banking, my experiences with loan applications and communication have been unsatisfactory. Specifically:
- My home loan application was declined in 2016 without reason, while another bank approved it.
- My credit card limit increase was initially declined in 2018, and only granted after a formal complaint.
- My recent home loan applications were ignored without valid reasons, while other banks offered loans.
Given these experiences, I have lost trust in Standard Bank's ability to treat me fairly and without bias. I believe it is in my best interest to explore alternative banking options that can provide me with the level of service and respect I deserve.
I request that you cancel my loan application and close my file.
Please assist with details for me to lodge a formal complaint for all the ************** I have experienced.
CM
Ctha M's update04 Jul 2025, 08:17
Reviewer Update
Subject: Withdrawal of Loan Application due to ************** Concerns
Dear Standard Bank Loan Department,
I am writing to inform you that I am withdrawing my loan application from Standard Bank, effective immediately. The reason for this decision is due to the consistent and repeated experiences of ************** I have faced in my dealings with the bank.
Despite being approached to upgrade to Prestige Banking and receiving an invitation to Private Banking, my experiences with loan applications and communication have been unsatisfactory. Specifically:
- My home loan application was declined in 2016 without reason, while another bank approved it.
- My credit card limit increase was initially declined in 2018, and only granted after a formal complaint.
- My recent home loan applications were ignored without valid reasons, while other banks offered loans.
Given these experiences, I have lost trust in Standard Bank's ability to treat me fairly and without bias. I believe it is in my best interest to explore alternative banking options that can provide me with the level of service and respect I deserve.
I request that you cancel my loan application and close my file.
Please assist with details for me to lodge a formal complaint for all the ************** I have experienced.
Dear Standard Bank Loan Department,
I am writing to inform you that I am withdrawing my loan application from Standard Bank, effective immediately. The reason for this decision is due to the consistent and repeated experiences of ************** I have faced in my dealings with the bank.
Despite being approached to upgrade to Prestige Banking and receiving an invitation to Private Banking, my experiences with loan applications and communication have been unsatisfactory. Specifically:
- My home loan application was declined in 2016 without reason, while another bank approved it.
- My credit card limit increase was initially declined in 2018, and only granted after a formal complaint.
- My recent home loan applications were ignored without valid reasons, while other banks offered loans.
Given these experiences, I have lost trust in Standard Bank's ability to treat me fairly and without bias. I believe it is in my best interest to explore alternative banking options that can provide me with the level of service and respect I deserve.
I request that you cancel my loan application and close my file.
Please assist with details for me to lodge a formal complaint for all the ************** I have experienced.