Delayed Bank Complaint Response

I have received a response to a complaint that I need to respond as it has taken 80 days and has not included any detailed investigation

I am writing to express my disappointment with the handling of my complaint, this remains unresolved. I appreciate that the complaint has been handled by a senior staff member, such as yourself, however the following points are now included in the official complaint. The response to my communication, 6th April was received 86 days later, with no intermediate communication, this FNB company policy but also shows a blatant disregard for the regulatory framework and associated responsibilities. This response is consistent with my overall experience and root of my complaint. *. Response Delay: Compounding the 86 day delay in responding to my official complaint It is inconceivable that my initial request languished for 84 days without a timely reply. Such negligence undermines customer trust and reflects poorly on the bank’s efficiency. My response on the 13th January does not negate or is considered relevant to these continued failures to comply with my instructions, which has now continued to escalate resulting my suffering of significant distress and impact on my well-being over this period. The email on the 13th January should be considered an attempt as per all my communications to avoid the resultant situation and makes this response more egregious contrasting and damaging. This response makes the case clear for a clear affirmation of my original complaint. Purposeful failure of customer care over an extended period of time, now resulted in further significant emotional distress and harm which is now to be considered material. Please provide the records that indicate your attempts to contact me over this 84 day period. A total fabrication, Roche has always made direct contact with me on my mobile, and I would not want to reflect otherwise. This assertion of failure to make contact with me was reason to escape liability is clearly false and I await the records. I was diligent in my recording of the complaint, although it seems your response escapes to mentions the * emails communicated over this issues over a lengthy period. Please for your records make it clear that my approach to these failures have always been made in a constructive and respectful manner to avoid this outcome. *. As a financial institution, omissions and approach to resolve my complaints are an action of retaliation which I will now escalate. The extended response time flouts internal policies but also jeopardises compliance with external mandates. *. Dormant Account Closure: While I appreciate the attempt for a rebate of the dormant account, the closure process should have been swift and transparent. The lack of communication during this period compounds my frustration. This account should not have been opened, the rebate was a minimum request for closure, however the larger issue is the failure that it represents to operate with the required duties for which there are fees paid and obligations clearly defined. The issue of the loan agreements I thank you for your records but will require copies of all loan agreements executed with time stamps. These records are inconsistent with records obtained from the credit bureaus and will need to be reconciled. This complaint comes at a time where I discovered an extensive hack of my personal data as well as a Accessing of my digital records and fraudulent transactions. I am engaged with experts in cyber-security and will notify of irregular activities identified pertaining to transactions on my accounts . I consider this a failure to address these issues satisfactorily will leave me with no choice but to escalate further, within the required response time of all regulatory guidelines . I hope that this can be now be considered an issue more pressing for resolution as it is clear that my attempts to resolve these matters have been poorly handled congruent with a period of significant stress and uncertainty. I am writing to express my disappointment with the handling of my complaint, this remains unresolved. I appreciate that the complaint has been handled by a senior staff member, such as yourself, however the following points are now included in the official complaint. The response to my communication, 6th April was received 86 days later, with no intermediate communication, this FNB company policy but also shows a blatant disregard for the regulatory framework and associated responsibilities. This response is consistent with my overall experience and root of my complaint. *. Response Delay: Compounding the 86 day delay in responding to my official complaint It is inconceivable that my initial request languished for 84 days without a timely reply. Such negligence undermines customer trust and reflects poorly on the bank’s efficiency. My response on the 13th January does not negate or is considered relevant to these continued failures to comply with my instructions, which has now continued to escalate resulting my suffering of significant distress and impact on my well-being over this period. The email on the 13th January should be considered an attempt as per all my communications to avoid the resultant situation and makes this response more egregious contrasting and damaging. This response makes the case clear for a clear affirmation of my original complaint. Purposeful failure of customer care over an extended period of time, now resulted in further significant emotional distress and harm which is now to be considered material. Please provide the records that indicate your attempts to contact me over this 84 day period. A total fabrication, Roche has always made direct contact with me on my mobile, and I would not want to reflect otherwise. This assertion of failure to make contact with me was reason to escape liability is clearly false and I await the records. I was diligent in my recording of the complaint, although it seems your response escapes to mentions the * emails communicated over this issues over a lengthy period. Please for your records make it clear that my approach to these failures have always been made in a constructive and respectful manner to avoid this outcome. *. As a financial institution, omissions and approach to resolve my complaints are an action of retaliation which I will now escalate. The extended response time flouts internal policies but also jeopardises compliance with external mandates. *. Dormant Account Closure: While I appreciate the attempt for a rebate of the dormant account, the closure process should have been swift and transparent. The lack of communication during this period compounds my frustration. This account should not have been opened, the rebate was a minimum request for closure, however the larger issue is the failure that it represents to operate with the required duties for which there are fees paid and obligations clearly defined. The issue of the loan agreements I thank you for your records but will require copies of all loan agreements executed with time stamps. These records are inconsistent with records obtained from the credit bureaus and will need to be reconciled. This complaint comes at a time where I discovered an extensive hack of my personal data as well as a Accessing of my digital records and fraudulent transactions. I am engaged with experts in cyber-security and will notify of irregular activities identified pertaining to transactions on my accounts . I consider this a failure to address these issues satisfactorily will leave me with no choice but to escalate further, within the required response time of all regulatory guidelines . I hope that this can be now be considered an issue more pressing for resolution as it is clear that my attempts to resolve these matters have been poorly handled congruent with a period of significant stress and uncertainty.

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is there a legal period during time FNB has a chance to reply

can i suspend activities with the bank based on their extended delay in responding to my m initial instrcution and failure to address

Are you abe to create a response to my complaint