Strauss Daily Attorneys - Still waiting. Still stuck. And FNB is sending me credit card offers.

My FNB credit card went into arrears while I was unemployed for two years. Once I found employment in 2026, I paid off my debt in full using their settlement offer. What should have been a straightforward resolution has turned into an ongoing nightmare — and my credit score is still suffering for it.

The settlement letter runaround: After making payment, I requested a settlement letter so I could begin repairing my credit profile. I was told to wait 2–3 business days for the funds to reflect. Fair enough — I was paying from Capitec to FNB.

Two days passed. Same story. Three days passed. Same story. Then the timeline shifted to seven days. No explanation, just a moving target. When I finally called to follow up, a consultant confirmed my account was at zero. I asked for the settlement letter I'd been promised. The story changed again — now I needed to wait for the account to be formally closed first. And how long would that take? 20 to 30 business days. For a letter confirming what is already reflecting on their own system.

The reason given? They have a backlog of people who've settled. That's not my problem. When they need money from debtors, they expect it immediately — and our credit scores suffer if we don't deliver. The same urgency should apply when we need documentation from them.

The debt amount that kept growing: Before settling, I was making monthly payments — yet my balance kept increasing instead of decreasing. I'd pay an amount and expect to see it deducted. Instead, the figure would go up. When I queried this, they sent a correction: "Our apologies, you actually owe this much." That lack of transparency and accuracy is deeply concerning.

What I need FNB to know: FNB referred me to Strauss Daily Attorneys and continues to send me marketing emails asking if I'd like to open a new account or apply for another credit card. I find this tone-deaf and inappropriate. I cannot apply for a home loan — something I have been working toward — because my credit profile has not been updated, through no fault of my own. I have paid what I owe. In full. The delay in closing my account and issuing the settlement letter is the only thing standing between me and my next step.

I am disappointed, frustrated, and still waiting. This is not how people who have taken responsibility for their debt should be treated.