Capitec Bank – Page 9

Account number : [protected]

In 2017 I applied for Voluntary Sequestration, which was granted.

Part of my liabilities listed in the court order was amount of R65, 114.53 which was to be paid to Capitec Bank. I then paid a monthly amount for 19 months, as detailed during the application for the sequestration order. Once the final amounts were paid, I then applied for Rehabilitation, and paid the applicable amounts. The Rehabilitation Order was granted in May 2019.

However, I check my credit profiles regularly, and I noticed that the old Capitec debt (which was part of the original sequestration order) is back on my credit profile. I've tried to do the application via the CCSEnquiries@capitecbank.co.za email address to have the information updated at the credit bureaus, however, I feel that I am getting the run-around. It is also my opinion that there is not the willingness to assist with this.

I have also logged a complaint with the Bank Ombudsman, as I'm really not sure anymore what I can do to resolve this matter, and I feel like giving up! This matter has taken up a lot of my time (at work) as well as taken a strain on me personally. 
Had it not been for the fact that my partner and I are planning to purchase a property jointly, I would have just given this fight up. However, the application for our bond is now pending due to the information which is not being updated.

I feel that I'm being punished for mistakes made in the past, despite the fact that I took corrective actions to attend to the bad decisions made in the past. However, despite being through tough times, and having to make huge sacrifices to get this last hurdle in the process of restoring my credit profile, I feel that I am being blocked by an institution who, in my opinion, now almost refuses to update my profile with the correct information. This, despite the fact that the account was settled during this process.

I need my life back, and it is now on hold due to the refusal to update their records and send the relevant information to the credit bureaus so that my name can be restored (or provide me with a letter stating that the matter has been resolved).

Since my brother passed away and he left money in his Capitec bank, and we wanted to use his money for bearial but that did not happen and i had to go to FNB to borrow money for berial, to recive the statement of balance it took one and half month, and after we received the statement of balance, we followed all the process, we went to the magistrate for letter of authority, my brother did not have children, but the magistrate indicated that the money or the beneficiary will be our mom and of which we were good with that, we submitted all the papers to the bank, and the bank told us that the money will be paid with 14 days, after 14 days money was not paid, my money went back to the bank been told that the bank consulted helped her did it incorrectly, they did it again, and told her about 14 days, after 14 days nothing paid, we went bank, and been promissed for the fourth time, still nothing happend, the bloody incompeted capitec employee must kak out, i made a loan from fnb knowing that i will use my late's brother money to pay back the loan, it looks like stupid capitec are robbing us, this is my brother's money and he worked for it, i even close my wife and my kids's account with capitec because they are not competed and banking with capitec is useless

[protected]

Good day

I phone last month about the same problem why is there a clientcarecentre@capitecbank.co.za who cannot help you? I have a debit order going off my account I only want to know for who is this debit order because it is a new one I do not recall anything about this debit it. It went off again this month so I ask them via mail just to look for me for who this is. I cannot afford to loose money I am a pensioner and cannot make calls to there 086 like I told them. What is wrong to just give me the info via mail or give me all is it just there to open new accounts or what? There word client care means nothing. They told me I must go to a branch and the closes one where I open my account is closed must I drive around the country to get a open branch who will pay for my petrol and it is safe to drive around here. Like I said I am a pensioner and there is not a lot of branches for them. Will they die just to send me the the details or perhaps just give me a call I need to get this sorted out hope you can help me. Thanks a lot have a great day

Someone withdraw money from my account without using my pin and is not even not in my Province and he sent money from my account to other person. Police has been informed and upon their investigation they said is someone inside Capitec. So to me it seems as if it is very dangerous to bank with Capitec and I'm taking this matter forward because I cannot save money and someone just come and take my money without my permission

I got robbed money was taken from my account, Capitec bank refused to pay my money back, they service I got was beyond the word bad . I want my money back and request to speak to the CEO of Capitec bank .The people at the branch and consultant calling me is not well prepared they keep on giving me info of the previous note on there system it sound like a song they writing now when they speak to me . I demand feedback from a person in higher position not a team leader or investigation consultant . I WANT THE CEO no MANGER

It seems Capitec does not look after their customer after all. The incident happened this morning as I bought a whole lot of airtime to make a very important call. As i called the complaints department, i briefly explained the issue to the woman i spoke to this morning and she just put the phone down on me and no one ever called back.
so they debit your account then tell you to wait 24 hours before they action the problem and/ or issue your are facing... they do very little for their customers and treat people like pieces of S**t.

[protected]@ymail.com

Good day,

I have a complaint with Capitec Bank's recent liason with them. I have been retrenched and had applied for the Retrenchment insurance claim that was approved on 22.07.2019 by a mere SMS that only stipulated [Capitec: Good Day, retrenchment insurance claim is approved. Installment is due until settled. Loan will be settled in 60 business days. Info 0860667783].
This SMS did not explain their process.
With a monthly habit of transferring all my salary to the credit card for credit score purposes and emmediately transferring back to accounts for creditors to receive their money. On the 24.07.2019 I mistakenly paid in error of habit to the credit card and could not reverse transactions. I immediately called the Call centre that could not help and said I should go the bank. First thing in the morning of 25.07.2019 I went to the bank and was told it was a mandate thing and they apologise but money should be available within 48hrs. I gave the bank time even after the 48hrs not to impose as I know other banks allow reversal of transactions when done soon enough (All my attempts were exactly done with immediate effect). I returned to the bank on the 29.07.2019 and received the usual kind response and cooperation and they said I will get a call back on the day as they have escalated to Manager who requested they send an e-mail. Till date I have not heard from them, there is also no reference number they issue on all the visits and called they made on my behalf to resolve the matter (in this day and age of tracking systems that are crucial to have especially banks - Capitec fail dismally) . I have had to borrow money so debit orders could go through, having to deal with flooding notifications that they could not get their money in time.
I would really hate to find the bank I have been selling so much to family and friends is actually not equipped to service as other trusted banks.

Dear Sir/ Madam

I trust this massage finds you good.

In 31 March 2018, I took a loan of 165 thousands and on the 1st of June 2018 I took another loan of 40 thousand with same bank Capitec. on R165 000 loan I started paying R5000.00 but in December 2018 I miss the payments. Then I make the arrangement for 2 months in that arrangement I was paying R3000.00

Currently am paying R590.000 but it seems as if the loan it not moving since the outstanding balance R155.000 and 2nd loan it R35.000.

In the bank when I query no one is given me the explanation, please assist
my contact details [protected]

Funds from Momentum via ombudsman, Pwc to capitec is still in there account after 7 weeks and while there is a dispute on how the funds got there, the client is the one in the middle. What a disgrace, the client is the one to suffer while the big boys are fighting out on unetical practices. How long will Capitec withhould our money while we are suffering financialy. This is the bank who is for customer service, all i see is a bounch of fatcats. I'am so discusted in Capitec and will take my buisness elswhere. No, communicating via phone or email, we stay in the dark. Payed 36yrs for my retirement, still waiting for our money! Shame on you! call me, ombudsman has all our detailes!

One of your employee was swearing me today.
The issue was that ATM had no cash and it wasn't working, at that time I was waiting for my staff car at the table of my friend then went to pnp next to Capitec bank after that I went back where I was outside Capitec bank to wait for staff car I'm using everyday then when I turn around there was a very short line then I Joined the line then he was very mean to me telling me that he won't let me widthraw and I thought he was jocking he saw me inserting my card then pin the he decided to close the roller door just before money comes out. Then I held the roller door until my money comes out.

Then he came shouting at me then, he rudely said I was there at table with my mouth open

I have been with capitec for long. This month they changed my debit order date to the 23th of the month without my permission. Which they took money which is not my salary but money which i got from my insurance company which i claimed for an accident that happend. That money i have to use to do repairs on my car. Which i dont have due to capitec. When i went into the branch to query this they told me that i need to bring my payslip in order for them to change it back to the date my salary gets paid. This is not my problem or my mistake but now i am the one that has to saver due to there mistake. When the consultant that help me went to the manager for assistance he was too busy on his phone instead coming to the desk to assist. This very bad service.

Hello. I am a longstanding Capitec client and we've had a good relationship over the years. Earlier this year I've had the misfortune of having problems with the company that makes our payslips. Due to the company being incompetent they decided to email us our payslips once a year end and leave it to us to edit. I made an error when i edited the January payslip during February. As it turned out my payslip was dated: "31 February 2019" and due to that my loan was deemed unsuccessful as it apparently raised suspicion of fraud. Though i still had and still have an open loan account which has never gone unpaid since it's inception. I submitted the required letters because after that i had to bring an updated payslip in which the year to date was wrong as i do not know how to work it out. After a while i received the explanatory letter for the year to date and submitted it last week . I was told that my documents would be forwarded to the Capitec head office, but I still haven't received a response yet.

I'm from capitec dawn park and an employee by the name of Zamani told me that they don't take cash in the branch, they only do deposit in atms not in the branch !from when does capitec banks don't have an option of depositing inside ? What a disappointing service !he rudely said it and even when I told him that, my money had change .as it had coins, he showed no interest and so forth, what a pathetic service

Capitec Bank seems to be offline constantly for the past few months now, and the employees doesn't know what is happening!

I've been at Capitec Bank in Westgate Mall, I spoke to the Branch Manager, Diohona Samson, who couldn't give reason why they're offline! I mean, doesn't the IT Department or Head Office communicate with their Staff?!

If it's not the Mobile Banking App, then it's the entire system. They don't communicate with us their clients at all!

When is this going to come to an end?!

I have been paying for two years for a personal loan with Capitec Bank but the money is not decreasing. It's still as the initial loan. I'm puzzled even if it's interest but it has to decrease when I calculate Iv paid over R180000 Please look at my account. Unfortunately I can't call nor visit the branch to enquire since I'm out of the country. How can I pay a loan for two years over R7000 every month with no difference?
This is really not fair
It's daylight robbery

On 2nd of May 2019 I was at an ATM in Wellington to draw cash at a ABSA ATM at 5:30 for the reason that the Capitec ATM did not have any money for 2 days in a row. There a black guy came from behind to apparently to assist me for the screen pop up to say transaction canceled I tried to stop him and within seconds he was gone and within 5 min all my money was gone. Capitec does not want to pay my money back because I did not stop the card immediately I was in such a state I have to drink sugar water and was given medication to calm down what can I do now

First of all we cannot draw money inside the bank anymore as they do not keep cash...is this a bank? I thought all banks have money that is why they are called a bank and you can go inside to draw money., do transactions etc. Now this is no more available. So I had to draw money from the ATM and it cost me so much more I was shock to see the cost of drawing at the ATM.
Secondly trying to find an ATM to draw money from is a headache. If they are not offline, there is no money in the ATM, or it is out of order. I can never go to an ATM without experiencing problems. In the beginning Capitec was tops, but I am thinking ..no more. Sorry you are falling behind with customer service.
I am really not happy with drawing from the ATM - your message on the ATM's read... 'drawing from the ATM is more expensive then drawing from a teller in the bank' does this make sense when there is no money inside the bank?
Now you have no choice but to draw from an ATM and paying so much more.
I feel Capitec is starting to be a horrible experience.

Mid March I made arrangements to payR500 for a loan I couldn't afford to pay due to being unemployed for over 7 months which you did debit but decided to take the rest of the money that was in my account because you had access to it, it took me 2 days to get my money back.

After that, I made arrangements to pay R3200.It was successful debited so as the remaining balance that I had only because Capitec has access to my account. I need an immediate reversal as soon as possible, and close off that account as I have no interest in continuing banking with unethical people who abuse authority and don't care about honoring arrangements.I am very disgusted with how Capitec treats customers.
Now I have to go to the branch to stand on long queues to sort this out, dealing with Consultants that will tell me different stories.

CAPITEC has adopted the same low standards as the rest of SA's banks, in regards to ATM's not functioning specifically at month end times. Cash deposits via a CAPITEC ATM has becoming challenging and leaving you frustrated to say the least. As a loyal CAPITEC client i have to search for ATM's in my neck of the woods just to find the shutters are down at 17H00 at month end on a Saturday afternoon, or worse you have a glimmer of hope you find an ATM open but cannot do cash deposits or withdrawals. This is pathetic. Back in the day CAPITEC closed ATM'S @ 19H00.

I cannot do any remote banking to change my limits on my bank account (11h00 on 26 April). I went to the Capitec branch, but they told me I cannot draw money because the entire system is offline. They cannot tell me until when.

My questions are;
Why are you still open when your system is offline indefinately?
Do you realise what effort and costs does it involve for an individual when this happens.?
Do you realise that I do not have access to my OWN money?

I need this money urgently and make alternative plans now that will cost more now.

Your personnel just shrugs their shoulders.