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Sibusisiwe N
Active since Mar 2018
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8 reviews3 months ago
Unresolved *****ulent case
internal safeguards, transaction limits, or intervention. 2. Failure of ***** Detection and Risk Controls Large, unusual transactions across multiple products should have triggered automated ***** detection, account blocks, or client verification, particularly for a private banking client. 3. Failure of the FNB App and Virtual Card Safeguards The virtual card, an FNB initiative, became a point of vulnerability rather than protection, enabling the extensive loss of funds. 4. Failure of Duty of Care under Private Banking The lack of proactive monitoring and delayed response represents a failure to uphold the standards reasonably expected under a private banking relationship. 5. Failure of Fair and Reasonable Resolution Leaving the client to repay *****ulent debt while offering only R8,000 against a loss of R250,000 is grossly disproportionate, unfair, and inconsistent with consumer protection principles. Conclusion and Request Mrs Sithole’s life savings, accumulated over many years, were wiped out in a single incident. She has been left financially exposed, emotionally distressed, and burdened with debt arising from transactions she did not authorise. Mrs Sithole formally disputes FNB’s decision and requests a full reconsideration of reimbur*****t, taking into account: The systemic failures within FNB’s platforms The failure of ***** detection and intervention mechanisms The responsibilities inherent in a private banking relationship The disproportionate and inequitable outcome currently imposed on the client T ***** Incident, Financial Loss, and Failure of Duty of Care Mrs NDH Sithole is a long-standing First National Bank (FNB) client, having banked with the institution since 2005, and is a Private Banking customer. Background of the Incident On 8 December 2025 at approximately 17:45, Mrs Sithole received several SMS notifications followed by phone calls from individuals who identified themselves as FNB representatives. During the call, she was informed that there were multiple suspicious transactions allegedly taking place at Takealot and that urgent verification was required. In a state of panic and concern for the safety of her accounts, Mrs Sithole opened her FNB App to verify the information. At that moment, the application reflected a zero balance. The callers then instructed her not to open the app again, claiming they were in the process of securing her account. Mrs Sithole was subsequently asked to provide details of her virtual card, which she did in good faith, believing she was communicating with legitimate FNB officials. It is important to note that the FNB App and virtual card are FNB-developed platforms, promoted to customers as secure banking solutions. Mrs Sithole only realised the following day that she had been the victim of a ****. She immediately reported the matter to FNB, and investigations were opened under the following reference numbers: Case Numbers: 2025-335848480 / 2025-3358481 Extent of the Financial Loss The investigation revealed that: Her cheque account was completely emptied Her credit card was *****ulently utilised, despite there being no outstanding balance Her savings account, accumulated over many years, was fully depleted Further attempts were made to extract additional funds The total financial loss amounts to approximately R250,000. Despite the scale of the loss, FNB has advised that it will only reimburse R8,000, representing less than 4% of the total amount lost. As a result, Mrs Sithole has been left to absorb a loss of approximately R242,000 and is further required to repay debt owed to FNB arising from *****ulent credit card transactions she did not authorise. Private Banking Oversight Mrs Sithole is assigned a Private Banker, whose role includes proactive account monitoring, ***** awareness, and client protection. Following the incident, the private banker offered an apology for what had occurred. While the apology is acknowledged, it does not remedy the financial harm suffered nor address the serious failures that allowed this incident to escalate unchecked. No proactive intervention, alerts, or immediate account suspension occurred, despite the abnormal and high-risk transaction activity across multiple banking products. Failures by FNB 1. Failure to Protect Client Accounts Even if access was compromised, it is unreasonable and unacceptable that multiple linked accounts (cheque, credit, and savings) could be emptied in a single ***** event without internal safeguards, transaction limits, or intervention. 2. Failure of ***** Detection and Risk Controls Large, unusual transactions across multiple products should have triggered automated ***** detection, account blocks, or client verification, particularly for a private banking client. 3. Failure of the FNB App and Virtual Card Safeguards The virtual card, an FNB initiative, became a point of vulnerability rather than protection, enabling the extensive loss of funds. 4. Failure of Duty of Care under Private Banking The lack of proactive monitoring and delayed response represents a failure to uphold the standards reasonably expected under a private banking relationship. 5. Failure of Fair and Reasonable Resolution Leaving the client to repay *****ulent debt while offering only R8,000 against a loss of R250,000 is grossly disproportionate, unfair, and inconsistent with consumer protection principles. Conclusion and Request Mrs Sithole’s life savings, accumulated over many years, were wiped out in a single incident. She has been left financially exposed, emotionally distressed, and burdened with debt arising from transactions she did not authorise. Mrs Sithole formally disputes FNB’s decision and requests a full reconsideration of reimbur*****t, taking into account: The systemic failures within FNB’s platforms The failure of ***** detection and intervention mechanisms The responsibilities inherent in a private banking relationship The disproportionate and inequitable outcome currently imposed on the client This matter remains unresolved and is submitted for urgent review. his matter remains unresolved and is submitted for urgent review.
56 replies
14 months ago
Unacceptable Customer Service & Humiliation at Pick n Pay Midwater – Order No: GROC241477662
I am deeply disappointed by the treatment I received at Pick n Pay Midwater, Middelburg, regarding a faulty Russell Hobbs iron I purchased via Mr D on January 19, 2025 (Order No: GROC241477662). On February 18, 2025, the iron started leaking water and then stopped working. Expecting fair customer service, I took it back to the store for an exchange or refund. However, what I experienced was shocking, unprofessional, and humiliating. Disrespect & False Accusations by the Store Manager The store manager, Gabaza, assessed the iron and immediately dismissed my return, insinuating that it didn’t look a month old. She told me she didn’t have the same model in stock but made no effort to offer an alternative iron of equal or higher value. Instead, she outright refused to issue a refund. Things took a turn for the worse when she accused me of potentially engaging in *****ulent returns, suggesting that I might return the item elsewhere after a few months. This was a blatant insult to my integrity as a customer. In front of other customers and staff, she then proceeded to insult me, calling me "small-minded." Despite this, the Customer Service Manager, who was present, did nothing to intervene, merely stating that the matter stops with the Store Manager. A Refund Only After Threatening to Escalate After I threatened to report the incident to Pick n Pay Head Office, the Customer Relations Manager followed me to the floor and processed my refund. Shockingly, she also admitted that she wouldn’t advise me to buy electrical items from Pick n Pay because Gabaza constantly creates difficulties for customers returning faulty products, even when supervisors approve the return. Why This Matters This experience left me feeling completely humiliated and disrespected. I wasted over an hour in the store, being publicly insulted and falsely accused while simply trying to return a faulty product. This is not just bad service—it is outright customer mistreatment. My Call to Pick n Pay & Mr D I am posting this complaint publicly because I want Pick n Pay to take accountability for the behavior of its store managers and ensure that customers are treated with respect, not suspicion and insults. I also urge Mr D to review how such issues are handled when purchases are made via their platform, as customers should not bear the brunt of a retailer’s poor service. If Pick n Pay values its customers, they will review this matter, take corrective action against the store manager, and improve their handling of product returns. I demand an apology and a formal response explaining what actions will be taken to prevent this from happening to other customers. I refuse to let this incident be swept under the rug. If I do not receive a satisfactory response, I will escalate this complaint to consumer protection authorities and ensure that other consumers are aware of the poor service at Pick n Pay Midwater. Pick n Pay, do better!
1 reply
21 months ago
Urgent: Disappointment with Service at Middelburg Mall Branch
Subject: Urgent: Disappointment with Service at Middelburg Mall Branch Dear Hi-Fi Corp Customer Service, I hope this message finds you well. I am writing to express my deep dissatisfaction with the service I have received at your Middelburg Mall branch regarding a laptop I purchased on January 26th. The laptop began to fail when it stopped working without being connected to the charger, eventually ceasing to charge altogether. On June 29th, I returned the laptop to the Middelburg branch, where I was informed it would be sent away for repairs. After following up two weeks later, I was dismayed to learn that the laptop had only been sent for repairs on July 11th. This delay is especially troubling as I had emphasized that my daughter required the laptop for her schoolwork. Despite several discussions with the branch manager, Thabang Mashike, who assured me the laptop would be delivered to my daughter's school by Monday, July 15th, this promise was not fulfilled. When my daughter inquired about the delivery, she was told it would not be happening and that the laptop was still awaiting parts. This is particularly perplexing, as we were initially informed that the laptop itself had no issues and that only the charger was faulty. Additionally, we were told that the charger is not covered under warranty and that Hi-Fi Corp does not sell chargers separately. It is unreasonable to expect a laptop, for which I paid R10,000, to fail within six months due to a charger issue. My daughter is now frustrated and unable to complete her schoolwork, which is an unacceptable situation for any student, let alone one relying on a significant investment from a large corporation. I request immediate action to resolve this issue, including either the repair and return of the laptop or a suitable replacement, along with a functioning charger. I trust that Hi-Fi Corp values its customers and will rectify this matter promptly to restore my confidence in your service. I look forward to your prompt response. Sincerely, [Your Name]
0 replies
26 months ago
Day light *******, theft and lack of transparency.
I ordered medication from Uber Eats at a pharmacy in Braamfontein through Uber Eats, but I did not receive any contact from the driver. Uber Eats is now saying I am not eligible for a refund. They are not even considering charging me for delivery only. My order was well over R600; I have now lost all that money for what? I reported immediately to Uber Eats that I did not receive my order, but now I am told I will not get my money. Order D 73A6. I am willing to pay for delivery, but I don't understand losing 624 over a R20 delivery.
0 replies
40 months ago
Hollard - Indwe Risk- Brolink Nightmare
I've had a building insurance policy with Indwe as my agent since 2012, and Hollard has been the insurer. My garage door collapsed in July 2022 due to a bottom panel failure that occurred as a result of exposure to rain. I filed a claim with Indwe and was told that the garage door failed as a result of the pulling strings not being maintained. I am still awaiting an official report from Indwe. I discovered in December 2022 that the second garage door shared the same problem as the first garage door, in which the panel door is loose and on the verge of failing. Following my calling the assessor to request an inspection, I received the following feedback: claim number:- 94030850*003*006 "The information at our disposal, the claim may not be covered in terms of your policy. The claim was referred to the Insurer for their opinion on cover and we are currently waiting feedback.We will be provided feedback within 10 working days once all information has been received on the claim." According to our brief phone conversation with Brolink, the administrator, it is apparent that temite is growing on the bottom panel of the garage door, thus it will not be covered. I find it weird that the first garage door that failed in a similar way was rejected because of poor maintenance, which I dispute, and that now this door is being rejected because of termites even though the door clearly reveals that the panel is failing as a result of being exposed to water. According to me, Indwe, Brolink, and Hollard will take every necessary step to avoid settling claims. The doors indicate that they are maintained, but the insurer makes it a point to never settle any claims. What is more shocking is that a neigbour who had a similar failure , Absa was more than willing to replace the door which they did. Where is assurance in all this when large corporations continue to steal from defenseless individuals in the name of insurance? Indwe was formerly the most expensive but best insurance, but those days are long gone.
132 replies
40 months ago
Indwe Risk - Hollard and Brolink nightmare
I've had a building insurance policy with Indwe as my agent since 2012, and Hollard has been the insurer. My garage door collapsed in July 2022 due to a bottom panel failure that occurred as a result of exposure to rain. I filed a claim with Indwe and was told that the garage door failed as a result of the pulling strings not being maintained. I am still awaiting an official report from Indwe. I discovered in December 2022 that the second garage door shared the same problem as the first garage door, in which the panel door is loose and on the verge of failing. Following my calling the assessor to request an inspection, I received the following feedback: claim number:- 94030850*003*006 "The information at our disposal, the claim may not be covered in terms of your policy. The claim was referred to the Insurer for their opinion on cover and we are currently waiting feedback.We will be provided feedback within 10 working days once all information has been received on the claim." According to our brief phone conversation with Brolink, the administrator, it is apparent that temite is growing on the bottom panel of the garage door, thus it will not be covered. I find it weird that the first garage door that failed in a similar way was rejected because of poor maintenance, which I dispute, and that now this door is being rejected because of termites even though the door clearly reveals that the panel is failing as a result of being exposed to water. According to me, Indwe, Brolink, and Hollard will take every necessary step to avoid settling claims. The doors indicate that they are maintained, but the insurer makes it a point to never settle any claims. What is more shocking is that a neigbour who had a similar failure , Absa was more than willing to replace the door which they did. Where is assurance in all this when large corporations continue to steal from defenseless individuals in the name of insurance? Indwe was formerly the most expensive but best insurance, but those days are long gone.
132 replies
40 months ago
Samsung Mirror Fridge
I bought a Sumsung Mirror Fridge last October which apperently has a 10 year warranty. Friday 9 December the fridge started giving me problems to which I logged a complain on Monday 12 Dec . The temperature of both freezer and cooler were high . On Tuesday the 13th I called again , we tried troubling shooting over the fone which didnt work . A service technician was called out , who only arrived in Thursday around 15:30 , at that point the fridge temp was sitting at 25 degrees celcius ,and my house stinking from rotten food . The service technician looked at the fridge told me the fridge had gotten extremely frozen blocking air into the fridge and had further more cracked the fridge wall and therefore he would not work on it as he cant repair the cracked wall . I requested for the technical report so that I can use to claim from my insurer for the fridge contents , he told me to call Samsung which I have been calling daily . To date : I dont have a technical report , No works has beem done on my fridge. Sumsung rejected the request for fridhmge replacement . Samsung has horrible customer service particularly after says . Samsung is holding me at rans right now seeing that I cant claim from my insurer for the goods that got spoilt . My ref no : 4262449101 And I now have a customer number : 3101927396
192 replies
99 months ago
Blush Studios North Cliff Mall
BlushStudio misleading customers I received a call from Kogie Murugun in BlushStudio inviting me to a photoshoot at a cost of R150 and claimed that they were running a special.I asked her what the photoshoot entails. And she explained that since I will be coming during the week then it will be 3 outfit changes and make-up. At the end of the photoshoot I will be getting 3 jumbo photos and a foot masage. I then went on to ask her if I should expect any surprises i.e. be expected to pay additional amounts in order to receive the photos and she said NO, also what happens if i wanted to purchase additional photos and her replied via a telephone that I will have to speak to the photographer. I asked all of these questions because I made it clear that I didn't want any surprises on the day. I initially refused , she was however very persistant. I eventually booked and payed 300 , because we were 2 Adults. On the 19th December 2017 at 11:00 I went for my photoshoot as scheduled. The place was packed , and our appointments were not according to time . The service was bad , such that we all complained. After spending the whole day there , worse having come from Mpumalanga , after the photoshoot I was called into the office to view all the photos. The guy began by taking me through the list of available packages , with the lowest being 3500. He went on to inform me that we will not get any of the pictures unless we take the package . I questioned this and he said its it is. I agreed and paid , He promised to give me a CD of all my raw pictures and the edited ones , to which he failed to burn and opted to email. It is today almost 3 months since my photo shoot , I have not received my pictures . I phoned Korgi who promised to give me feedback and never did. The landline number ********** 268 doesnt go through , the ********** 683 number is answered by some white guy who insist on speaking Afrikaans and the ********** 386 number rings with no answer. I have been robbed 3950 by this company , since I still don't have my pictures.I was not impressed with that because it was never part of the agreement and because I had spent the whole day there with my kids , I decided to pay . This company is full of Crooks , particularly the lady Kogie Murun
0 replies
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1 Star
8 (100%)