***** VIA STANDARD BANK PHONE APP

Standard Bank should have a ZERO rating...... On the 14th January 2025, My Standard Bank Accounts has been cleared from all my available funds through the Standard Bank app due to ***** committed on my Standard Bank account. I suspected ***** when my phone showed two sms messages from Standard Bank claiming that my profile has been amended and that my profile has been closed. I immediately logged onto my profile, and found it not closed, but emptied from all funds on all the accounts- even the credit card has been pushed from a zero to the limit. There is no trace of passwords accessed or OTP used or requested, but eap spend was adjusted and accounts emptied wit immediate transfers into two different clearly visible ABSA accounts Standard Bank locked my account, and notified me that they are investigating the matter - I have to open a case at SAPS and supply them with the Avidavit and Case number , Which I did on the same day. In the middle of February I went to Standard Bank in Malmesbury, to try and get clarity on timeframe when my acvount will be reinstated - the manageress stared through me and said not her job, I have to contact ***** An front desk assistant connected me to ***** department - after holding the line for an hour and 52 minutes, the call got cut. I left the bank with still no help or answers My partner managed to get hold of CEO of Standard Banks email, Mr Richard Motloung I drafted a detailed description of the entire situation and mailed it to him. I got immediate response from his office via his complaints department manager, Ursula Morgan. She assured me that she will immediately investigate and supply me with positive information - date14th February.

On the 19th of February, she reported that some funds has been retrieved, which will be paid back to me, but the portion of funds not retrieved, will have to be paid back to the bank by myself. I objected, and said as a client, I entrusted Standard Bank with my finances for 47 years and expected their app, which any client is forced to use in order to access their account effectively, has been the cause of my loss - not my negligence. Ursula Morgan said Standard Bank will hive as "goodwill gesture" 25% toward the lost funds. I refused, and she advised me to contact the Ombud, but also stressed the fact that their offer will be valid intill end February. I contacted Ombud immediately, they acknowledged receipt of my request a week later. I contacted Ursula Morgan again, her advice was that I should take the offer and then wait for Ombud to respond. I wrote another email to her in this regard, stating that I have not used any of the funds they are now claiming from me. Her reply was that the ***** department reported funds were withdrawn through my app via my phone, in essence therefore only SAPS could prove that I wasn't the individual drawing/moving funds. On the 10th March I still had no bank account I could access, and went to Standard Bank again, waited my turn. Consultant responded that I "should've " deleted bank app, and re-install....also that re- installation could only be done inside bank because it required fingerprints and security checks ( again, my own account has to go through security checks for myself to amend, a *****ster could compromise with none of this) App was re- installed, and it showed no return of my funds. It showed the R12490 "goodwill gesture" paid in, but Deductions made for returned debit orders, resulting in "Overdraft facilities" and interest on a credit card which I hadn't used myself..... More queries followed as to where the original retrieved funds were. Consultant "Escalated" matter with *****, and they denied having been instructed to request return of funds. I contacted ABSA, they informed me that Banks has agreement to pay money back internally immediately when informed that funds were traced to one of their accounts - Ursula Morgan denied it. Money was only paid back to my account on the 26th March 2025. That still left an overdrawn and interest added monthly balance on my credit card (due to *****) Standard Bank bluntly insists that I pay it to them. Ombud rejected my application for mediation - I "accepted goodwill sum"(as advised by Ursula Morgan)

Credit card balance was still on my app ( Mastercard promises ***** protection with zero Liability to client on internet) - and Standard Bank adds monthly interest onto credit card with no contact or feedback to a way forward. On 16 April I contacted Randall Khan, area manager of Standard Bank Malmesbury - he directed me to Collections - Collections was dumbfounded by Bank claiming that I should pay money back lost due to ***** on my account, and connecte me back to *****. ***** logged a case.

Credit Card app was locked on my phone - showed zero balances and I had no access once again

On 9th May, I contacted Collections again, they said their system show it is with *****, and they will escalate.

On 10 June, after still no response or contact from Standard Bank, I went to the bank again. They connected with card department, whose only issue is the fact that "I have no card to use"

Still no feedback for any arrangement of how the money is accumulating interest and how I am expected to pay it back It has been ongoing since 24th January 2025 - I am at my wits end