Worst bank ever

I have been promised the world by this bank, unfortunately promises especially broken ones do not fill your children’s belly’s at night does it.

This is the kind of responses you get after 1 month:

Good day Mrs ****en. Trust you are well Kindly note that *** will follow the process, unfortunately the request is not with me, I am unable to assist in that regard. Your request will be forwarded to the responsible analyst. Kind Regards

I logged a DISPUTE on the 7th February 2026 with the std bank Lenasia branch in which I explained what happened. The dispute was logged by their staff and I was provided 2 references. I was told it will take 21 days which I understood and allowed even though I was now owing 15k which I have been paying interest on since the day of the incident being the 6th February 2026.
I received no communication so I went into the branch on 2 occasions after the 21 days wherein I was treated extremely poorly by the agents on the telephone from inside the bank. I was then told the dispute was logged as a duplicate transaction which I have no knowledge of and my query was closed.

The last time I was in the branch there was a gentleman by the of Nkosana who did try to assist, although it was closing time, he tried to connect my call from inside the branch to my cellphone unsuccessfully.

I then ended up in hospital and underwent surgery so I have been unable to work, I even explained to the agent that I am a widowed mum of 2, 1 of whom has special needs and required adult diapers to be purchased urgently.

Needless to say I received the refund of the above reference today amazingly after logging this hello Peter complaint. I emailed the agent and asked if she can finalise the 2nd dispute which took place at the very same time and I get told it will follow the process.

My account charge was debited whilst waiting for this refund, they have been charging me debit interest on that amount not taking into consideration its their fault, I am now liable to pay the interest amount for the 15k on top of std bank debit interest and I am still being told the balance of the 5k will follow process…

Who is going to be liable for all the losses I am faced with due to no fault of mine and being an unemployed widowed mum who is unable to work due to the operation I just underwent?

I now have to pay back this 15k, plus R3000 as they are charging me R100 per day since the 6th February, std bank already took their “debit interest” so I am already short on paying back the 10k and I will still continue paying interest for the 5k until std bank follow their process… really, is this fair??? I’m just paying and paying without an income, can someone please explain how because I am at a loss.

Thank you

Another day… the weekend and no responses to emails and nothing from this platform either.

Good day Mrs ****en. I trust this message finds you well I have engaged the merchant under ref *** and await their instruction,I will provide you will an update as soon as they respond.
This is the mediocre response I get now at 4pm on a Friday afternoon.
Amazing for a so called major bank in SA.

Today is day 30 since the incident occurred and this is the responses I get after demanding it.

I provided them with the proof of alternate payment, provided them with the post master (merchant) contact details in which he confirmed that they received their money in full on the 7th February 2026 so please explain to me why 30 days later STD bank is still trying to earn interest on my money?

You can call at any time via WhatsApp as there is a problem with my number.
I just don’t understand what you need to call me for?

I have given you people all the information. Even did your jobs and provided you with proof of alternative payment and the post masters contact details wherein he confirmed that they have been paid in full on the 7th February already.

What is the need to call? Just put the money back in my daughters account, it is my money that you have been earning interest on for over 30 days now whilst I am still
Paying interest for that money.

I have contacted the ombudsman, thank you