Capitec Bank

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.

I have had a capitec loan which I have been paying regularly, I only missed one payment for the month of jan which was taken along with the instalment of february.

1. I have been on maternity leave since october (unpaid only uif)
2. I have been paying and making arangements when due to do so
3. For the past month I have been recieveing silent calls, where one of you agents calls me and keeps quiet for the first 30 seconds of the call, this has been mentioned as well and is irritating
4. I owe capitec bank r95.00 besides my last instalment which will be going off at the end of this month in total
5. I have been harassed for the past month,
6. This morning I got a call from one of your male advisors who would not let me speak nor explain the situation, I get a call every other hour from you guys and i'm sick of it.
7. Your agent was rude, I explained that i'm at work but he kept on speaking over me

I sent a request to capitec debt review to clear my name under debt review. I first called the contact centre and I was told to send an email to [protected]@capitecbank.co.za
I sent an email on the 31/01/2019. No one has got back to me my name is still under debt review with capitec. I sent all the documents from the national credit provider and from debt rescue confirming that I'm not under debt review.

I cancelled debt review in 2014 didn't even complete a month under debt review to my suprise capitec hasn't removed me on their side. Now I really have no idea why capitec bank does not want to clear my name. On my emails I have attached all the correspondence to support my statement.

Thanks
NZV Mngomezulu
ID no: [protected]

Hi

I was trying to apply for a credit card at Centurion Mall Bank city Capitec.
My experience was not well at all I found it to be very unprofessional.
I went on Monday the 11/02/2019 and I was assisted by a consultant by the name of Buhle and her Manager I think her name is Portia/Mpho contact number: [protected]. I was there from 16:00pm up until 18:30pm. After processing everything they were like they cannot confirm employment because it is late and that I must come back tomorrow, I was patient and I left.

I went back on the 12/02/2019 and everything was going well up until the system went offline of which that I understand it was beyond their control. They informed me that I should come back later.

I went back again around 15:50pm and then I was informed that the system is now rejecting my payslip because it is now more than 60 days old by a day. They were like sorry there is nothing they can do.

I found that situation very unprofessional and that they wasted my time because I left their offices again at 17:15pm for them to tell me sorry there is nothing they can do.

I feel Capitec services clientele is not good because now they are blaming me on a situation were it was not my fault how is that mara. I believe that when you cater services to a client, client comes first, I mean you cannot say my payslip is old if the delay was from Capitec, that is very unfair. How do we recommend Capitec Bank to other people and also transfer our salaries to Capitec if you do not respect us as customers.

My solution is please process my application online, because centurion branch already has my information. I mean I do not have excess to my payslips right now, Centurion branch should have informed me of that my payslip is late on the day of my application. I am not at work and cannot excess the payslips because they are on SAP.

Regards,
Hulisani
[protected]

Disappearance of funds that were transferred from FNB into my account. This account was dormant at time of funds transfer and hence could not accept any deposits at that time. Upon several thorough visits to the branch closest to me, Capitec still insist that they never received my funds and FNB also says the funds were never returned to the sender's account. This has left me confused and angry at this mix up as money cannot just disappear between banks!

Good evening

We have long time requested for capitec to honour our request for opening of capitec branch in bultfontein, realising the fact that most of people are having and struggling to to access their capitect services as we don't have branch here.
We strongly believe that our request will be taken into cognitive.

For more information i'm available @ [protected].

Or tumisho.[protected]@gmail.com

I am a capitec client, and the have provide me 2 times with a personal loan which I have paid strictly on a monthly basis.

my loan is almost paid up, but suddenly a judgement is standing in my way for a further loan, before the judgement they have declined me because according to them my affordibilty wont allow me for a further loan.

Why do I even bother to send this complaint.

However Nedbank has gained a Judgement against my name for Old debt, I have loaded a complaint against them at The Credit ombudsman.

Just not fair that after paying my capitec loan monthly and has been a client of capitec for a long time, they dont trust you and they advertise they assist blacklisted clients and you can decide your monthly installment, if they calculate the installments and time period.

Sure I have waisted my time sending this.