Capitec Bank
reviews and complaints

At the Durban China mall capitec branch, i Praisegod Mduduzi Ntuli (Zulu male) experienced racism and unfair treatment from the manager of this branch whose name is Enthia Jasson on 15 September 2017. I am a Capitec Bank client of many years, i had frequented this branch numerous times as I reside in South Beach Durban without any mistreatment. However On 15 September 2017, at approximately midday, I arrived at the branch to acquire about a fixed deposit investment and experienced racism and unfair treatment from the manager. I was given a ticket by the champion Spha Ngcanu, sat down and waited for my number to be called, approximately 20 minutes later another customer arrived (black African male) he was also given a ticket and set next to me. Soon after another customer arrived (an Indian female) she was also given a ticket and sat down. All consultants were fully occupied so the manager Enthia Jasson emerged from the backroom and began to assist customers. She asked the champion who was first in line and the champion told her that I was first. She then decided to assist the Indian female first and completely disregarded me and other black African customers. When I stood up to complain about the unfairness of this she rudely told me to sit down and wait to be called. She continued to be rude and prejudiced to me and other black African customers.

I am not sure when she was given this position of manager of this branch, but she conducts herself by a culture of racism and unfair ness to black African customers. I love Capitec Bank and wish to continue as a client, but I hate racism and the racist unfair treatment I received from this manager Enthia Jasson of Durban China mall. I did go back to the branch today to get her name, as well as of the champion, and informed both of them that I will lodge this complaint.

Kind regards
Praisegod Mduduzi Ntuli
[protected]@gmail

My daughter turned 16 on the 12 November 2016. She just got her ID document. She is not staying with me and I need for her to open a bank account with CAPITEC. But CAPITEC is making it impossible for her to open an account. She went to CAPITEC in Pretoria to verify if the lease agreement, memorandum and rates and taxes documents from the landlord will do. She was told to just print the front page of the lease agreement. Poor thing today when she went to open the bank account accompanied by her aunt. She was told that those documents are not valid to be used for opening a bank account. Now I asked myself what is it that CAPITEC really wants for my daughter to have a bank account. How do I send my daughter her allowance without sending all the money which I do not want for her to carry around with her? CAPITEC has just failed my daughter. I am not going to open another bank account so that I could have proof of residence. I am not going to be in debt because FICA and CAPITEC want it as a proof of residence. My daughter she is renting. CAPITEC wants her to produce the document of where she is staying. She did that but CAPITEC still does not recognize those documents. Generalising customers is not human at all. I want my daughter to have a CAPITEC bank account. I do not like this pillar to post treatment.
CAPITEC I want my daughter to have a bank account within 24 working hours. She is flat broke now because CAPITEC is not fair.

I inquired on the requirement needed to open an account was told to bring my payslip, passport with valid permit and proof of residence(used my standard bank stamped bank statement with address). I was given a ticket number after all documents were deemed correct and sufficient and when to the consultant assisting me to open the account it was realised that on my payslip one of my names were omitted and had to go back to my employer to have it rectified. When i came back i was told that my company does not appear on the Capitec system and they needed to scan documents for forensic approval then upon approval i can apply. Am not sure how your bank works but its the first i have ever had this, i have had colleagues from our very own company who bank and opened accounts using payslips. If that`s the procedure why is there a procedure for the bank to thoroughly check the documents than to repeatedly send me back and forth. It all feels like the banks representatives are avoiding to have me as a client and am not sure which category of clients they will be not assisting. Well employee represents the employers interests, and i find it unexpected from such a big entity.

I discovered that a colleague had been accessing my account and transferring money from my account to his since May. I could not be refunded as the transactions were pin driven. I have since opened a case with the police but Capitec Bank has not opened a case of fraud against my colleague despite having all the proof. I have submitted an affidavit to the bank confirming that I did not authorise the case. Therefore; it was theft and fraud and if Capitec Bank does nothing about the issue, it means our monies are not safe

07/08/2017 I contacted customer care to recall a EFT of R 80 000 i paid for a car which i discovered they lied all the paper work is in order and failed to deliver upon providing proof of payment.

They explained to me it will cost me R 120 because it was to a different bank and it will take up to 7- 14 calendar days. Incident number [protected].

And they cant guarantee I will get my money back.

This is now placing me in a tough situation as I need to buy a car as soon as possible.

Its a lot of money and you must wait that long to be refunded your money of which they dont guarantee you with the refund unlike other banks it is so quick and efficiency.

This is not fair and does not make me feel like a valued customer of which we save money with them to keep them going in business.

I need my money back as soon as possible please.

Can I be assisted urgently regarding this issue please?

On Friday 18th August 2017 at proximately 06h55 I stopped at the North Cape Mall and went to the Capitec ATM. I took my Standard Bank card and withdrawal R1000 .00 and then took my Capitec card to deposit the R1000.00 into my Capitec Account.
I put the money into the slot and press deposit. The machine began to count the money and the next thing wham out comes my card and the machine said NO Cash Deposits.
I immediately call the [protected] number and report the incident.

I got a ref nr. [protected] and was told that Capitec Bank would have to wait for G4 security company to go and check the machine.

I then went to Standard banks own tam withdrawal another R1000 .00 and went to Momentum Spar Capitec To deposit again R1000.00.

I waited and got a message on the 22 August 2017 that Connie is busy with my claim.

29 August I was send a message again that said they is still investigating my claim.
04 September again the same story
07 September I was told via sms that my dispute was unsuccessful.

I called in again and was told that no money was found in the slot.

This is unacceptable!
I deal with Capitec for a long time now and I want this to be investigated thoroughly.

Thank you

Aletta Raath
[protected]

So I took out a loan in the capitec branch woodstock cpt and whilst taking it out, the consultant who helped me by the name of abdul colbie took it upon himself to add a credit card on my name, I asked him multiple times if I have to have one, avoiding a simple yes/no answer, he kept saying "it comes with the loan and I wouldn't have to use the card" I then asked "but what if I don't want it?" he's reply stayed the same. About a week later, I receive a text saying money will be deducted monthly and a 130 was taken and then I went into the branch to speak to someone about this card, to then be told I had a option of not taking the card, I was very upset as I explained I have enough expenses. I then spoke to a "manager" who confronted the consultant whilst me being present and he apologized for not giving enough information. Which I accepted. But before speaking to both of them, I spoke to another consultant and asked if the reason he added the credit card was because they work on commission and was told no they work for a basic. However yesterday I needed help with the credit card and spoke to a wonderful consultant and told her about what had happened and she explained that he was one of the top consultants and what he did would work toward meeting target's and potential bonus. Im not happy that I was used to boost his commission! Id like this matter looked into urgently!

On the 29th of August 2017 my fiancee initiated a transfer of R1800 via the Capitec Bank's cellphone banking and the money was intended for a funeral contribution.

On the 31st of August 2017 we then realized that my fiancee used an incorrect cellphone number to send the money instead of my mobile number. We then contacted my contacts at MTN to enquire about the number and found that the number was not active on all mobile networks.

On the 1st of September 2017, my fiancee went to the Capitec branch in Jabulani Mall Soweto and never got assistance from anyone despite informing the consultant her critical issue she needed urgent assistance on - My fiancee was told to wait in the queue which she couldn't because she had to rush to the office that morning.

We could not go on the 2nd of September 2017 due to the reason that my fiancee knocked off late that Sunday.

On the 3rd of September 2017 my fiancee went to the Kempton Park Capitec Bank to have the transaction reversed and she was informed that the Capitec bank account that the money went into has not been active for the past 3 years. The bank's consultant went on to inform my fiancee that the reversal will take upto 3 weeks to be completed which is utterly ridiculous considering that the money is still sitting in an incorrect account -Apparently this feedback was provided by a consultant at the Capitec Bank's call center.

Today I called Capitec bank to complain (Ref Nr: [protected]) about the turnaround time for the reversal and I was told that the query was not logged as there is no query or reference number for this critical query which is just appalling and annoying for a case of this nature.

In 2015 we took out a 144k Capitec loan to be paid over a 60 month term in We loyally paid 4.8k for 29 months and requested a settlement quotation to pay the remainder in full during September 2017. We we appalled at Capitec's settlement offer. An amount 3k more than the outstanding balance. I remember the day that we desperately took out the loan and that I was grateful to have found a bank with the plight of the poor at heart. It was a feeling of euphoria being under the impression that ethics was a top priority of Capitec's business principles. We are a family of 4 and all of us have savings accounts at Capitec Bank. If Capitec refrains from offering a decent settlement quotation with either an interest cut or discounted amount, we will take our money and dreams of becoming financially free to a bank where we will be treated with respect and dignity.

hi, my name is nikita I am a capitec holder for more than a year now, this is the first time its happening to me . On the 25th of August 2017 my salary was paid into my account . The Saturday I wanted to withdraw some money and my account was empty, I then printed a statement and saw that there was R 2000 .00 and then after that R 3000.00 withdrawn at ABSA in alberton . My bankcard was with me so my card was cloned. I went to the police station got an affidavit. I phoned the customer care number I got REF NUMBERS ect, but how long can it take to see who withdrawn the money ? I am a single mom and that is my kids food and rent for the month ? please advise me if you can help me sooner.

Made an online application last saturday, was called to email my documents I did! The guy who is busy with my application said he will be done with the loan on that wednesday he called by 11am... Sent him a email he didnt reply... Decided to go to the branch in randburg to enquire, consultant by the name of tebello was also not helpful
The way she treated me didnt like it... Then money keeps disappearing in my account but not showing on my statement im confused and disappointed... Thandekile maseko! You can send feedback to my email adress [protected]@gmail.com

To whom it may concern.

I am a South African Capitec account holder currently residing in Ghana. I am studying in Ghana and have been here since December 2015.
On the 6th of December 2016 I attempted to withdraw money from a Ghana Commercial Bank ATM in Mampong Akuapim. The ATM did not give me money but my account was debited. The amount was R2000.00 (660.00GHC). I emailed client care to place a complaint on the 6th of December 2016 at 8:26pm (The same email address I had used for correspondence regarding an identical incident on the 10th of August 2016). However. I did not receive a response.

Now on the 29th of August 2017 I experienced the same thing at a different branch of the same bank. I attempted a withdrawal of R2000.00 (660GHC) from a Ghana Commercial Bank ATM this time in Akropong Akuapim. Again the ATM did not give me money but my account was debited.

I need your speedy assistance please on these two claims. You can contact the Ghana Commercial head office on +[protected]
& +[protected]

Distressed customer
M.P Manamela (miss.)

Good day

Last week Friday 25/08/2017 I went to Capitec Bank to recall a EFT of R6000 I did from my app.

The consultant in the branch and from Service Center which the consultant phoned from the branch, explained to me it will cost me R120 because it was to a different bank and it will take up to 7 calendar days. Incident number [protected].

Today when I called the service center on [protected] they tell me a different story. Now they are saying it will take up to 14 calendar days or more and they cant guarantee I will get my money back.

This is now placing me in a tough situation as I made commitments for today as I was told by Capitec Bank I will receive my money back in up to 7 calendar days.

If I was explained on 25/08/2017 that the process is what they explained to me today, then I would not have agreed to pay the R120 as it is totally ridiculous to pay that and wait so long.

I also could then of gone to the company I paid incorrectly and requested a refund from them, but instead like I fool I trusted Capitec Bank.

This does not make me feel like a valued customer and I am seriously considering closing my account.

I don't know what to too about the commitments I made due to Capitec Bank. Thanks for nothing.

I need my money back today please. Can I be assisted urgently please?

Dear whoever that is willing to do their please assist., I have a complaint, I incorrectly transferred cash using a ussd code to an incorrect number/account on Saturday midway. Immediately went to one of your branch to report the matter., consultant I dealt with tried her best to assist she called the head office and requested for the funds I incorrectly transferred to be frozen for the client not to have access to the money that ain't theirs., I was told in order for the reversal to be done client had to be contacted first to authorise the reversal., I was given an incident number [protected]., and apparently my query has been escalated to admin support., which I feel is a very useless department that does absolutely nothing to assist., no one has given me feedback yet., funny how I managed to get a hold of the customer but they can't., somewhere somehow someone is not doing their job and I really WANT MY MONEY., what's so difficult about that

I expect someone to please take this matter seriously and do something to assist or give me positive feedback ASP
😡

Well I left my back to start banking with you guys only to find out you guys are worse than my previous bank, since last week the cash acceptor is not working at the Coptic in Compton Square. I went there this morning again your so called friendly staff is so casual about it they just told me sir join the line when I told them this thing is off since last week she just looked and laughed and continued her chat with her friend...

really capitec really

Hi

A Capitec customer transferred money by mistake into my acc. I spoke to the lady and I confirmed to send her the money, she should sms me a number where to send the money too. Capitec apparently called me while I was on the line with the lady and her husband then called in between us talking.

Capitec now freezes my account without my knowledge and I also did deposit money into the wrong Standard bank account a few years ago and till to date, I have not seen a cent.

I feel like my privacy is violated its my account, the consualtatnt should have called numerous times to explain to me the procedure not the person who did the error.

This is bad service from you guys team in Kurumaan.
24 August 2017
11:00
parties involved not sure of their names

[protected] -branch

I transferred R1000 from my one account to my savings account at a Capitec ATM, then I draw R500 and the ATM only dispatched my card and keep saying processing for 3min and went dead without giving my money, I waited for 30min and ATM still off and the money went out of my account not credited it back, then went to the ATM next to that one on the left and checked my balance and the money was out. Then there were R490 left so I draw that money. And phoned Capitec client service and the lady also processed my complaint wrongly saying it was a ABSA teller amd saying that there is nothing they can do and I will waiste my time going back to the branch where I draw the money? Then phoned again to ask for help and still waiting for assistance. Why would I waiste my time calling with an issue if I didn't had one? Why is there client service if you cant be helped?

Because the bank's internet information offered themselves as the only bank who offers pensioners credit, I approached Cresta branch today 13 August, for a short term loan till month end. My callup number was 044. After analysing my monthly pension and commenting that because it is an annuity based pension, they could not progress any application for credit.

If annuity based pensions do not comply why is this not stated up front to prevent possible pensioner clients getting their hopes up only to be brought down to earth quickly?

To resolve the issue, Capitec should be more specific up front in their basic info to pensioners stating what type of pension will be acceptable and what wont.

Regards

A Gibson

I called the loan call centre 4 time, twice a person would answer and then drop the line.
I have been applying for loans through the call centre from the time I started with capitec bank with no hassle. Now I apparently fail an authentication check which I feel is a total waste of time and im told to go into a branch which I just dont have time to do on my side due to my work. I have applied plenty times before - these questions that are being asked is like from centuries ago, how do I remember what my number was 4 years ago? I cannot go into a branch and I need to see if I qualify for a loan. The call centre is the most convenient way for me to get through. How is it that you guys are willing to inconvenience a customer for your benefit? I understand security procedure but maybe there should be other alternatives if your million century ago questions are not answered due to a client forgetting. I need to apply for a loan and I cannot go into a branch to apply. I need assistance via the call centre. I sent through an application over 3 days ago and have still not been contacted as well hence I had to call in. If this is how capitec treats their customers I will go elsewhere...

To whom it may concern

My account number is [protected].
Ref : [protected] and [protected]

I am aware of the fact that I am in arrears on my loan account. I have made arrangements to pay this off at the rate of r250-00 per month, the first of which payment is due today.

I have been receiving my salary manually as I am in dire financial straits at the moment and cannot afford to make payments on any of my debit orders.

On the 24th of july 2017, I requested that my salary be paid into my credit card so that I did not fall any further into debt.

On the same day, my account was frozen and my salary was unavailable to me. I had tried to put petrol in, which I did and then my card declined. Despite this terrible embarrassment, I had faith that capitec would sort out the problem with a simple phone call. This was not the case. I have spent over an hour on the phone with the helpdesk, then the credit department – only to be told that I am to attend at the branch to have them sort this out.

I rushed from work last night to try and make it to the bank on time before they closed. At norwood branch, I was helped by lenholoho. I was very emotional and I ended up in tears. Lenholoho tried his best to assist me. He called and tried to get a release on my funds but was told that there is nothing that can be done as capitec cannot extend any further credit to me at this time. I had not asked for credit. I had paid my salary into my credit card so that I could make good on my instalments on that account and then transfer r250 to my savings account so that the debit order in respect of my payment arrangement, could be processed.

I am in a catch22 situation as I am the sole breadwinner in my family. My husband suffered a stroke and cannot work. We rely solely on the money I bring in to pay the rent, buy groceries and put petrol in to get to work. I cannot do any of these things now. My landlord is on my back. I have no food to feed my family and pets.

I am highly disturbed by the fact that my credit card has been stopped without any warning. I was never warned, informed or told that this would happen. I would have made my monthly payment, which I do, anyway. Now, I have no money for anything.

I am not sure whether what capitec has done by freezing my credit card and taking my salary is allowed in terms of the credit act or even if its constitutional.

Please can someone help me so that I can get my salary released to me so that I can survive and continue to try and honour my debt obligations. I have no other options available to me.

I await hearing from you.

Chontel crouse