Standard Bank's ******* actions on a Consumer

So it all started when I asked them to review my credit card limit through my Banker. This being after the Banker asked whether I want a loan or Credit Card increase, as I have a good disposable income. (I have my ITC profile on both Experian and TransUnion linked to my cell number). The same day I was alerted a credit enquiry was done on my profile. I checked and then saw a "Loan enquiry was processed". I then contacted my Banker and asked what is going on. He rep****: "Sorry he is not sure why they did that but will check up on that. In the process of waiting for his feedback, he sends me a mail to ask what is going on, as my credit report shows an "Outstanding amount" on my vehicle. I being furious mentioned what is going on, as Standard Bank debited my account for the vehicle. It's the first thing that goes off. Also, I even received my monthly statement to show payments received and that next payment due is 31/05/2022. He then proceeds further to ask for my statements so that he can see. Irritatingly, I asked what do you mean, the car is financed with Standard Bank and surely they can just check it on their side, seeing they financed it and the fact that they the ones that still sent an invoice. I then anyway sent an email with a copy of the sms showing the debit order for the car. I included copies of my bank statements showing that 2 days after the car was debited, my credit card and car insurance was also debited by Standard Bank. As, they claim the car is outstanding, but the not the credit card and insurance. How is that possible by the way when the car went off first???

He came back later in the day to say that he still does not know why they did that and the increase was declined. I asked why and he said he does not know that either?!!! Then also that I cant go for a loan now as I have to wait 3 months now to do ask again.

Then he said he contacted the Credit Department and is still awaiting feedback for why a different enquiry was performed on my profile, also about the car payment outstanding. The next day - I get an email back seeming they acknowledged their error, as the email stated that a request has been sent to fix my ITC report. So it was from here just to wait for that to be rectified.

BUT!!! Then not even 2 days later, to my shock and surprise, I get alerted 3 enquiries were performed on my ITC profile. Upon logging in and checking, I come to find Standard Bank has performed another 3 credit enquiries on my name for loans and other things. I called the Banker and emailed him. Yet again at this level, he tells me he does not know why and cannot tell me??!!!! He asks what is it and I responded what do you mean - ask Standard Bank, they did it!!! Imagine the incompetence at this stage of everything and then again just like my statements even though its with them, I get asked on the phone to please let them know what is the reference for the Credit Enquiries done to which I told them and REQUESTED for it to be immediately removed!!! As for 1. I never asked for any further credit yet alone seeming for 3 different products!!!! No. 2. Standard Bank is heavily overstepping as with the POPI ACT that is now in place. Where did they get my consent and authorisation to perform a credit check on my name yet alone 3 credit checks!!!!!! Lastly I told them please pull up the call that is recorded for quality and security purposes in events like these. Clearly they could not and there was none to pull up as I didnt ask for further credit. Back to the chat with the Banker - after telling him to immediately rectify that mistakes, as with so many credit checks, Standard Bank dropped my ITC scoring!!!!!! I went from 610 to 599. I am not below average?????!!!!!!! Again meaning A FINANCIAL INSTITUTION "Standard Bank" has cause a negative financial impact in my life!!!!!! Yet again, to perform a credit check you need my ID number and my consent. Standard Bank had neither - which taking my details and doing this - its basically theft and we talking theft for a Financial Services Provider...a Bank!!!!!!!!

Anyway...so 2 days pass and still no word from the Credit Department or the Banker!!! I then emailed the Banker and said "Very Disappointing that I have not heard anything yet alone a call or anything!!!" I get a email back from the Banker stating "Good Day, Im struggling. to get answers and I didnt want to come to you with without them." Like what on Earth, yet alone ok you had no answers, but not a call to say sorry or whatever!!! I rep**** with "Yes, well I need answers and its unacceptable!!!!" Imagine he does not reply back to which a whole week passes again and I had to email with: " Wow, so given some time when you didn't deserve it and Standard Bank is still silent. Im contacting Head Office and listing you on HelloPeter!".......Only the next day do I get an email and my gosh. In total disbelief for such a reputation as a Prestige Banker, I get this response in email: "Good day, I was defeated when you told me that it does not matter what I do, you've made up your mind about your banking. I was still trying to get the necessary answers, but being told that its doesn't matter really broke my fighting spirit. I should have pushed even after you told me that it doesn't matter and I blame myself for that."

What the hell is wrong with the whole bank and so called Professionals and Bankers???? So you make an error - then another error, then process ******* enquiries on my name, no feedback given, then Bankers who are your communication for everything gets defeated in the whole matter and then even if I stated on a call that I will move banks so please hurry up and get this sorted so I can move - that is a reason for a Banker, the Credit Department and Standard Bank as a whole to just leave everything and not fix, rectify or do anything further to fix their mess which impacted a consumer severely.

How can they get away with this when they are suppose to be regulated???? Next step is the Ombudsman for Banking and I guess whether its the process or not, but contact the FSCA due to regulations in place totally failing from Standard Bank!!!!!!!!!

What is the utter most disgusting and shocking part is til today, my ITC in Experian has not been fixed since May 2022. They have taken their new installment on my vehicle for end of May 2022 and yet April's payment has still not been updated on my ITC!!!! Also, no feedback from anyone it has been reported to!!!!! And here is the best but worst part - all this time that has passed since the beginning of May 2022, this Monday the 06 June 2022, Standard Bank went and processed yet another Credit Enquiry for a Loan on my Experian profile.

Thanks Standard Bank for *******ly processing more and more credit enquiries on my name yet alone the first one to begin with!!!! Thanks for dropping my Experian ITC scoring so low when all I have been doing in building my ITC profile and scoring to which I was aiming for a 700 score paying all my stuff on time. I planned to buy property end of 2022 this year, but guess I cannot now should they look at Experian and see full payments made since the start of my credit in December 2021 but having a score of 599!!!!!!! What a huge financial impact you have caused me and changed in my life's decisions due to your error, negligence and pathetic Bankers!!! Keep on with your theft and ******* actions!!!!!

I have everything in black and white on email yet alone calls made that are recorded on both sides mind you!!!!! My ITC reports and your Bankers responses!!! Only person I've managed to get the name of is the Banker assigned to me: Mr. Mpumelelo Mashiane.

By the way although I have been in the process of re financing my car with a different bank and settling everything with you in order to move to a different bank, I will not let this go and keep going up until this matter with my ITC is rectified and on that same note - who is going to fix my score and lastly that I get compensated in whichever way for this gross negligence and ******* actions. I could not even at that time and through til now go and get a loan elsewhere due to my low scoring you have given me and a Car on my Experian profile that is still in red!!! Yet the that month and just now this Month End my car was paid as you took the payments. So I cannot afford to let this go and dont think getting off scot free is acceptable!!!!!!

Your sincerely: ME - a client who held a Prestige cheque account with you, took vehicle finance with you, a credit card with you and moved my Car Insurance to you - thats how you treat such a client!!!!! THANKS!!!!!!