Dear FNB Customer Service,

I hope this email finds you well, although I must express my extreme dissatisfaction with the level of service I have received from First National Bank (FNB). My experience has been nothing short of appalling, and I feel compelled to bring this matter to your immediate attention.

My ordeal began when my cellphone broke, rendering me unable to access my FNB banking app. Realizing the urgency of updating my contact number for OTP purposes, I promptly reached out to FNB for assistance. To my astonishment, the process of changing my contact number was only the tip of the iceberg.

The sheer inconvenience began when I discovered that, in order to sign into the app, a bank card number was required. In an era where technology has evolved significantly, and numerous banking institutions have adapted to modern conveniences, I found it absurd that FNB still relies on such outdated practices.

I must emphasize that I am an advocate of technology, and I have embraced the use of NFC functions within the app for my banking needs. However, to my disbelief, FNB seems unable or unwilling to facilitate access to the app without the reliance on a physical bank card. This is simply unacceptable in the year 2024, and I expected more from a reputed and ostensibly technologically advanced institution like FNB.

The situation has now escalated to the point where I find myself stranded in another country, unable to access my bank account due to FNB's outdated and inflexible approach. This is not just a matter of inconvenience; it is a critical issue that affects my ability to manage my finances, especially while being away from my home country.

Despite numerous attempts to communicate my predicament to FNB, I have been met with a concerning lack of empathy and urgency. It is disheartening to note that a company of FNB's stature appears indifferent to the challenges its customers face, particularly when they are in dire need of assistance.

I implore you to treat this matter with the urgency it deserves and take immediate steps to rectify the situation. I expect a swift and comprehensive resolution that aligns with the standards one would reasonably expect from a financial institution of FNB's standing. Additionally, I request regular updates on the progress of resolving this issue.

Failure to address this matter promptly will force me to escalate my complaint through relevant consumer protection channels and consider alternative banking options. I sincerely hope it does not come to that and that FNB can demonstrate its commitment to customer satisfaction by promptly resolving this matter.

I appreciate your immediate attention to this serious issue and anticipate a swift resolution.

PART 1: Your account information is not save with FNB, or should I say Black Owned Businesses Account information are not safe with FNB. I am so disgusted, frustrated and sending a communication now to close my business and personal account with FNB, because I can't do this anymore. A client made a payment to me, and within 48 hours called FNB to reverse the payment. Shocking, FNB doesn't hire to the PoPI Act of South Africa anymore, because FNB loosely opened their mouth and started telling the client how much we have in our account, how we have insufficient funds in our account, etc. For Christ sake, what kind of Bank will do that? What kind of Bank tells another client who called to reversed a payment they made the amount in the account? Isn't that unprofessional, *********, foolish and stupid? What businesses do you have to tell this person our account balance? They provided you a court order, or any form of legal documents before sharing our account balance with them? We know this is not how you operate, but because this is a black own business, you choose to treat us anyway. Because normally what FNB does if someone calls for payment reversal, is that they will shared a form with the person to complete requesting the reversal of the payment, and after that the Bank will contact the account holder the payment went in regarding the reversal of the payment, which take few days to be done and clear this is how it's work, not telling the person that there's insufficient funds. I know this because someone from FNB told me this and said what FNB did wrong a even yesterday we had similar situation with Standard Bank, and Standard Bank did exactly what we said above, not telling the client how much we have in our account. FNB, I will be taking you guys to court, by telling someone who requested a payment reversal from my account how much money I have in my account and will spread this information all over. Watch me. PART 2: I can now confirm that FNB is disgusting, selfish and very wicked to black people. The worship the grounds, Indians, Whites and Colors walk on. My account and few employees account got frozen by FNB without any email, call or notification from them, like other Bank does. I however, still went ahead to call them and ask why my account was frozen, FNB told me they can't tell me why my account is frozen, all they can say is that there was a reported payment, and they are doing an Investigation. How stupid is that. How can you be doing an Investigation regarding a payment that came in my company's account, without my knowledge? Aren't you supposed to ask me regarding the payment, or let me know of the supposed reported payment in order for me to give you information from my side? They refused to tell me who reported the supposed payment, the amount, etc, but claiming they are investigating it. This is so dem foolish and crazy. Why can't you tell me the amount and why it was reported? What are you investigating excluding my side or the information I may have regarding the issue, or is it because I am a black woman, don't have right, or by default wrong? I spoke with a high level person at FNB and he confirmed that's absolutely wrong, unprofessional and ********* as FNB should immediately inform me of the person who reported the transaction, and the amount they reported giving me the opportunity to provided information regarding the payment.