STANDARD BANK, YOU DISGUST ME AND I HATE YOU!

<p>Oh the JOY and delight of such a pathetic excuse for a bank. Capitec might be a small fish but sure delivers better service and CUSTOMER CARE! You can only dream of achieving such heights. Confused? Let me explain</p> <p>Took a loan with standard bank (was really happy) but thats where my worst nightmare started and I have regretted ever since.</p> <p>Took standard bank a HOLE 3 MONTHS to supply me with card, got stuck with a temp card and after I phoned myself stupid and went into the bank and made a scene I eventually got my card. Got an overdraft facility for R35200 aproved and a month down the line STANDARD BANK decreases that limit to R30 000 for NO REASON and once again after phoning myself stupid, i still have NO answers as to why, but wait there is more!<br />Missed a few payment on my account and made an arrangement with the bank for a lower payment of R500 for the time being and was told ITS FINE. Was asked how I would be making the payment and i rep**** to state EFT. Once again I was told its fine. Tried 27 times to transfer from my personal account to my loan account and payment does not go through, so again I phone after three days of trying and I am advised my account is locked. I asked them to explain what this means and I am told no eft payments can be made, only cash at the bank, no debits will go off. By this time my account has been handed over to pre legal and when I confirmed my payment arrangement i am bluntly told I sis not honor my agreement and they can not accept that amount. It has no be no less then R3000 per month, so I explained that I was not able to make that payment and they told me ITS NOT THEIR PROBLEM, they will summons me for the money. But thats not all. I also have a business account with them. I have had just as many issues with that! Also waited FOREVER for my card and when I eventually goy=t it the card did not work for 3 weeks! In and out of the bank and they cant tell me why my card is being declined even though there is funds. The last straw was today when a person made and wrong EFT payment into my account and requested me to return the money. My account was already in an overdraft at the time. She had also requested her bank to stop the payment. I phoned standard bank 5 times. I requested them to reverse the payment to the lady and was first told yes it can be done. After holding for 20min my airtime ran out, so I phoned back and after holding a further 10 min the consultant told me it cant be done. In the time the money cleared in my account standard bank debited my account for the loan repayment amount. So was told that the money is npw USED so it cannot be reversed. I was then told to hold for legal. I was on hold for two min when i was told that legal said it cant be done. They did not even personally speak to me! So essentially standard bank STOLE money from another person and they are bluntly refusing to assist me, so here is what I am going to do seeing that you are NOT sticking to the law. I am going to close my business account because god knows there are banks that offer a MUCH better service, secondly I am handing YOU over to my attorney. Your contract will be reviewed in detail and I will make sure EVERYONE knows to avoid you at all cost because YOU are PATHETIC. Your call center will not take my lower payment arrangements but you keep phoning me 6 times a day??? I have blocked your number because this is becoming harassment.I hate you stand for, I hate your service, I hate your arrogance.Where do your people get off telling a client its not their problem!For anyone reading this, please steer clear of the one bank that will promise you bog dreams and render only nightmares and will haunt you till the ends of the earth!</p>