MTN Debit order fraud, FNB cant do much

aws said:
um? right, i dont think you understand the situation.


i finally have a reference number from MTN.
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What is there not to understand?

MTN raised a debit order against your account in error. You want the money back. You have two choices, get the bank to reverse the money which requires intervention manually. Or get it from MTN and they can to the labour required to get the funds back to you. Either way someone needs to physically do it. The bank didn't cause the error so they can charge you for the labour required to retrieve your money.

Nothing to "not understand" it's pretty simple :o
 
except that theres an account at MTN under my first name and ID number, the rest of the information isnt "mine" and i cant access it cause i cant pass the verification steps. i reported fraud on my bank account to my bank. surely its up to them to take it further? and they charge for it? i pay bank fees for this eventuality. same as getting e-tolled after paying tax. seems right? i cant open a case at the police cause i dont know any of the details on "my account"

as to FNB part, i did get it out of them that the debit order was added on the 25th of last month. so why did i not get notified by the bank till today when they notice money went off to a new debit order. when i want to add a debit order i have to jump through all kinds of hoops and OTP's etc. fair? the crime was committed via fnb (debit order on my account). they should be in a position to handle it better,

charge me for the labour: i highly doubt R18 will even barely touch sides of the "labour" required. its yet again another 1 of those "you wont notice the R5 coming off your account" i really dont like being double charged for stuff.

but hey, everyone's entitled to their opinion. i really hope you dont get to experience this little bundle of fun for yourself tho.


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am i wrong in thinking: i only use fnb’s services, the fraud took place via fnb, i should only have to report it to the provider of the service im using. getting me to sort it out with MTN who i dont have any dealings with is unreasonable. FNB allowed the debit order to go through they should sort it out. and then to still charge me for not sorting it out is yet again unreasonable.
 
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aws said:
except that theres an account at MTN under my first name and ID number, the rest of the information isnt "mine" and i cant access it cause i cant pass the verification steps. i reported fraud on my bank account to my bank. surely its up to them to take it further? and they charge for it? i pay bank fees for this eventuality. same as getting e-tolled after paying tax. seems right? i cant open a case at the police cause i dont know any of the details on "my account"

as to FNB part, i did get it out of them that the debit order was added on the 25th of last month. so why did i not get notified by the bank till today when they notice money went off to a new debit order. when i want to add a debit order i have to jump through all kinds of hoops and OTP's etc. fair? the crime was committed via fnb (debit order on my account). they should be in a position to handle it better,

charge me for the labour: i highly doubt R18 will even barely touch sides of the "labour" required. its yet again another 1 of those "you wont notice the R5 coming off your account" i really dont like being double charged for stuff.

but hey, everyone's entitled to their opinion. i really hope you dont get to experience this little bundle of fun for yourself tho.


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am i wrong in thinking: i only use fnb’s services, the fraud took place via fnb, i should only have to report it to the provider of the service im using. getting me to sort it out with MTN who i dont have any dealings with is unreasonable. FNB allowed the debit order to go through they should sort it out. and then to still charge me for not sorting it out is yet again unreasonable.
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You are pretty reasonable up till when you make this issue an FNB issue.

They didn't commit the fraud. Your banking details was captured by MTN for an authorised debit request. The fraud issue is with MTN. You are 100% correct by reporting it to the bank. But the fraud was not committed at the bank, it was at MTN. They are not police officers so they can't investigate it and say who is wrong and who is right. They have a service where they allow you to block/stop that debit order for a fee.

Still nothing wrong with that. This would have happened at any and all banks in SA. The Debit order came from MTN and the bank honoured it. The bank can stop it at your request for a free. But they don't know if you rightfully agreed to that debit order or not. That is up to MTN to verify those details before submitting the debit order.
 
aws said:
except that theres an account at MTN under my first name and ID number, the rest of the information isnt "mine" and i cant access it cause i cant pass the verification steps. i reported fraud on my bank account to my bank. surely its up to them to take it further? and they charge for it? i pay bank fees for this eventuality. same as getting e-tolled after paying tax. seems right? i cant open a case at the police cause i dont know any of the details on "my account"

as to FNB part, i did get it out of them that the debit order was added on the 25th of last month. so why did i not get notified by the bank till today when they notice money went off to a new debit order. when i want to add a debit order i have to jump through all kinds of hoops and OTP's etc. fair? the crime was committed via fnb (debit order on my account). they should be in a position to handle it better,

charge me for the labour: i highly doubt R18 will even barely touch sides of the "labour" required. its yet again another 1 of those "you wont notice the R5 coming off your account" i really dont like being double charged for stuff.

but hey, everyone's entitled to their opinion. i really hope you dont get to experience this little bundle of fun for yourself tho.


------------

am i wrong in thinking: i only use fnb’s services, the fraud took place via fnb, i should only have to report it to the provider of the service im using. getting me to sort it out with MTN who i dont have any dealings with is unreasonable. FNB allowed the debit order to go through they should sort it out. and then to still charge me for not sorting it out is yet again unreasonable.
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It sounds a bit confusing. Seems like the biggest issue is the fact that they don't recognise your identity. Very strange situation. (probably not so strange as most of our information is floating around.)
 
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Pitbull said:
You are pretty reasonable up till when you make this issue an FNB issue.

They didn't commit the fraud. Your banking details was captured by MTN for an authorised debit request. The fraud issue is with MTN. You are 100% correct by reporting it to the bank. But the fraud was not committed at the bank, it was at MTN. They are not police officers so they can't investigate it and say who is wrong and who is right. They have a service where they allow you to block/stop that debit order for a fee.

Still nothing wrong with that. This would have happened at any and all banks in SA. The Debit order came from MTN and the bank honoured it. The bank can stop it at your request for a free. But they don't know if you rightfully agreed to that debit order or not. That is up to MTN to verify those details before submitting the debit order.
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Yep, this is the sort of crap that RICA was supposed to fix.

I had someone take out a Virgin Mobile contract on my name. After bitching a bit on HelloPeter, VM sorted it out complete with a refund.

Make it the network's problem. It's certainly not the bank's fault...
 
aws said:
except that theres an account at MTN under my first name and ID number, the rest of the information isnt "mine" and i cant access it cause i cant pass the verification steps. i reported fraud on my bank account to my bank. surely its up to them to take it further? and they charge for it? i pay bank fees for this eventuality. same as getting e-tolled after paying tax. seems right? i cant open a case at the police cause i dont know any of the details on "my account"

as to FNB part, i did get it out of them that the debit order was added on the 25th of last month. so why did i not get notified by the bank till today when they notice money went off to a new debit order. when i want to add a debit order i have to jump through all kinds of hoops and OTP's etc. fair? the crime was committed via fnb (debit order on my account). they should be in a position to handle it better,

charge me for the labour: i highly doubt R18 will even barely touch sides of the "labour" required. its yet again another 1 of those "you wont notice the R5 coming off your account" i really dont like being double charged for stuff.

but hey, everyone's entitled to their opinion. i really hope you dont get to experience this little bundle of fun for yourself tho.


------------

am i wrong in thinking: i only use fnb’s services, the fraud took place via fnb, i should only have to report it to the provider of the service im using. getting me to sort it out with MTN who i dont have any dealings with is unreasonable. FNB allowed the debit order to go through they should sort it out. and then to still charge me for not sorting it out is yet again unreasonable.
Click to expand...

Just need to clarify, what hoops do you have to jump through at the bank for other debit orders? Mine is just that the service providers (Vodacom, whatever) send through details I provided and wham bam, next month debit order goes off my bank account.
 
Canceled car insurance and opted for a new one. Did a dispute on the app, how long till this is resolved? Anyone?
 
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