Shocking Service

<p> </p> <p>This year around February/March I went to Standard Bank Somerset West Mall to enquire what information are needed to do a RICA on my credit card and asked that I need to get a new card because my card expired. The lady at the enquire desk gave me the following information, proof of identification and proof of address. Without telling me she blocked my card because of the RICA. I did not receive any calls, emails or sms's to inform me of this. So I went on my way unaware of what happened. I always pay my credit card monthly payments at the ATM because this is easier and much cheaper than going into the bank. I also work every day and need to cancel work appointments which means I lose money whenever I need to go to the bank. So about a month later I go to the ATM to deposit my monthly instalment only to find the ATM does not allow me to deposit any money into my account. So now I need to cancel an appointment to go find out what is wrong with my account. Get to the bank, go to enquires and the lady tells me that my account has been blocked because of RICA. So go to cashier to deposit money, only to be told I can't deposit money into that account. So this is a credit card and I pay interest on the account if I do not pay on time, yet Standard Bank prevents me from paying my card. How ridiculous!!! But this is far from over. So I can only go into the bank once a month because I lose money every time I have to go. So a month later I go to the bank with drivers licence, marriage certificate and proof of address which is in my husband’s name. The marriage certificate because the only letter I have is in my husband’s name. Get to the front and hand all the documentation over to enquire. She didn't go through any documents and just said she needs my ID, fine my mistake I left ID home. Quickly go home get ID stand in que get to the front. No they tell me it must be in my name - the address. So now she asks do I have Municipal account, which we don’t have renting it from my father in law who does not live here. Do I have cell account? Yes I do but not with me. Bank is closing so will have to come back on a different day. A month later I go back with ID, Marriage certificate and proof of address in my name (****en name). The cell phone account does not have dates on when it has been issued so she takes the first date she sees, the reply is oh no it is older than 3 months, but please note only by 2 days!!!! 2 days!!!!!!!! Sorry she can’t accept it. By this time I am losing it!!!! I phone customer service, they did not ask me who I was, which bank nothing. They just said WE ARE SO SORRY ITS THE RULES. So another month later here I go again!!! Proof of address - not older than 3months, ID and Marriage certificate. Very proud of myself this time everything is perfect and sure that this time I will get it done. Unfortunately it was not the case, the address is in my ****en name so she can’t use that it, needs to be in my new surname. How ridicules!!!!! I have my marriage certificate with my ****en name and my ID number, the joke is, the card is still in my ****en name but no, they can’t help me. So all this time I am unable to pay my instalments because they blocked my account. And then I get this wonderful sms today, for the first time in 4+ months Standard Bank decided to correspond with me to let my know they have handed me over to the attorneys because I don’t pay my instalments which by the way, they blocked and did not allow me to pay. There is no costumer service!!!!!!! And the people that work at enquires has absolutely no clue how to help customers or give them the correct information. The result of this is, I have received more interest on my account and now my credit score has been influenced negatively because people don’t do their work properly!!!!!! So what do I do now????????</p> <p> </p>