FinChoice South Africa
reviews and complaints

Good day

I Tylo Goosen [protected] took up a loan with u guys last month and as per the sms before taking up the loan I was told I would start paying end September, so with this did a application via phone call, so the gentleman who assisted read out that I would start paying end August and I told him I what the sms said hence my application, he put me on a long hold and confirmed that the deduction would start end September. I called in your offices last week to check that the deduction would really take place as per agreement over the phone I was advised differently. The lady who assisted me said she would escalate the matter but till today there is no response. Today I received a sms stating that the installment is due this month, which is not what I agreed to. Please refer to the recording on the day of my application and advise if I am wrong in wanting what was promised to me, how is this fair from a service provider lying to a customer misleading.

I'm disappointed as I have never experienced such poor service from you before but I do believe that if this bad client service continues this will be my last time doing business with You.

Frustrated

Tylo Goosen

So before making a decision by taking a loan at Finchoice make sure that you won't be in a financial crisis as they don't want to make arrangements by paying less than the installment is a month and will harassing you every day till you pay and they don't come back on emails when ask tnat it must be on email but only do it over the phone even if you change your information on the Finchoice login page it does not help at all as tbey dont want to make arrangements even if they say they think of every one during Covid-19 this is the biggest joke of all and the call center is a waste of time when you try to phone as no one can assist you. I have ask then on the 25th of July to come back to me and no one comes back to me but now on the 4th of August they are quick to phone and ask when they will get the installments and you can not pay the money in their account tbat is provided by them as tbey dont takes it as an installment.

I have an account with Finchoice. I week after my account was activated my husband applied and was also approved.

1. At first my first installment was supposed to have gone off only end June but was taken immediately end May.

2. I cant sign into my account. My husband can sign in but using my cell number and his password?

We have been calling for assistance and been told the supervisor needs to call us but this never happens.

I drove to the office in Wynberg and spoke to Zac and explained everything. Still no help because we need to call into. He gave a number should we struggle so he can assist but not once this number was answered. I have called the call center again last Friday being told they don't see any notes but will get supervisor to call us. Well nothing until today.

Please assist with this.

Good Day,

I trust this email finds you well.

Full name: Nicole Asbodeen Manuel

ID Number: [protected]

Contact Number: [protected] 70

Email address: [protected]@gmail.com

I would like to make a formal complaint against FinChoice.

I took out a personal long term loan with FinChoice in August / September 2021.

I then received a Consolidation Loan from Nedbank in early October 2021.

The Consolidation Loan was used to settle loans I had, including the personal long term loan.

This was paid on 13th Otcober 2021.

I have provided proof of payment to FinChoice in October / November 2021.

They were adamant the payment was not received, even after Nedbank confirmed it was paid.

There was back and forth correspondence (I have all the emails and chats). FinChoice made me feel as a liar and a thief.

The other loans paid off with this Consolidation Loan was no issue at all.

I have sent FinChoice every possible document I have, and yet they say it's not enough.

Debit Orders continued going off until March 2022.

I went into volunteeraly debt counseling in Feb / March 2022.

I then found out by the debt counselor that my loan was paid off with FinChoice.

FinChoice never advised me of this.

In fact, they stopped responding to my emails for a while.

The call centre is giving me the run around as well.

I refunded the debit order that went off for March 2022.

I was then advised the loan was settled in March 2022, and to get the rest of money back, I have to provide them with a proof of payment for March 2022.

I cannot provide this as it doesn't exist.

Nedbank has confirmed that the loan was paid up in October 2021 already.

FinChoice no longer replies to my messages.

I went into the HomeChoice showroom to seek assistance, the lady working the advised that she can see on the system I sent proof or payment in October 2021 and that the loan should've been updated as paid up back then.

At this moment, the only feedback I getting is from the lady in the showroom. FinChoice doesn't respond to my emails and the call centre is of no help at all.

I am hoping you can help me with this, as I have been waiting for my money for almost a year now.

Kindly let me know of I should send documents to you as well.

May you have a wonderful day.

- Nicole

I asked on the 5March 2022 for a settlement amount off my 6month loan. I received it and settle it in full. I email proof off payment and they replied back that they can't except it because I must send it in PDF Format. I send it again in PDF Format, still they didn't except it. I send so much proof of payments and call 3 times, still my loan is not settled by them.

First I call, the lady told me I must email the proof of payment to another email adress. Some days later I call again and they told me they received the payment and they will come back to me.

It's been a week later, I call again and they said they didn't received my payment, I must email my proof of payment. I do so and WOW everything from the beginning, they didn't except my proof.

I am so disappointed with you finchoice. Yesterday I applied for a settlement letter and I received it stating the offer you giving me was for yesterday only it was R4353 and you gave me options of depositing the money. I deposited the money yesterday using FNB hoping it will appear same time. today I woke up my balance is R4465. How is that? where did my money go? I am so so disappointed with this company🚮🚮😡

Good day. Please note Finchoice is continously harassing our business. I have a business line for a psychology practice your company keeps calling looking for a person who no longer has this number. It is not only going against the POPIA act but you cause business interruption, and patients need to contact us. You are harassing us and just changing your number. If this is not resolved the next time I ask for my number to be removed our medical practice will proceed with Legal Action.

Regards
Stephanie

My name is Liezel Jonker [protected]. I have been paying my funeral policy at finchoice for the past years now. My father passed away who was on the policy. I have been sending the documents they said I must send twice, but no communication from their side. I have been talking to their incompetent staff. A few hundreds spend on airtime wasted. I would like some help. Should I lay a charge against them?

My name is Johan Kruger [protected] I am not very happy with the service of Finchoice. I applied for a loan Finchoice already put a debit order on my account but still I haven't received my loan of R5000

I asked for a settlement letter on my mobi account tp have some proof

After the sudden passing of my mother in law who held a Finchoice Funeral Policy on Sunday the 15 August 2021, we contacted Finchoice regarding submitting a claim on her funeral policy the following Monday morning. Needless to say neither I nor any of my family members could reach a human soul, except a Pre recorded voice telling you to please hold then get cut off immediately. This continued until Saturday the 21st when someone finally answered and directed us to submit documents a, b, c etc etc to fc - funeralclaims.co.za. We emailed all the relevant documents and believed our claim was being attended to. Which was a falsity because up until today the 3rd day of September 2021, we have neither heard nor received any communication from Finchoice regarding the burial claim. My family was relying heavily on the R50K payout to pay for our mum's funeral, but this was not to be. After she had been laying in the government mortuary for 12 consecutive days, we lost all hope and went to a local loanshark for the funds which allowed us to lay her to rest yesterday morning. We are now deep in debt and even more deeply shocked and saddened by their lack of empathy for their consumers. My mother in law has been Faithfully paying for this funeral benefit since 2012 and this and to make matters worse, Finchoice once again DEBITED HER BANKING ACCOUNT ON THE 25TH OF AUGUST AS PER USUAL, EVEN THOUGH THEY WERE INFORMED OF HER PASSING. WE AS CONSUMERS NEED URGENT AND DRASTIC HELP IN DEALING WITH FINCHOICE

Finchoice and their employees are not good to do business with I phoned on sunday the 15 august 2021 to claim for my late mothers funeral policy that she had with them they told me send documents to their email address which they gave, the next day I went to send all the documents when I called back on tuesday they wanted the name of the email address which I sended my documents from for them to see my email I phoned again the other call centre agent said I must have a reference number so I looked for it and finally found it when I called back again the other lady said I must resend the documents, so the 19th I send everything again on the 20 when I called back the agent said I should for 24 hours so I decided to call back on the 21st and then they had a other storie that I should email and query when I did that I got a email back stating that they will get back to me in the next 24 hours, 24hours were over I called again 22 aug she said I must call on monday again because her supervisor is not there, its been a full week now and all I get from them is they dont see any documents which is so unfair because people every month and they dont deliver

Finchoice are happy to take peoples money each and every month but when its their time to do their work they dont they have alot of stories, I'm sorry but I will never in my life do business with finchoice they waste your money your time and your airtime

I was under debt review 2019/2020 and received my clearance certificate on 15 January 2021. I have been emailing [protected]@finchoice.co.za three times informing them to update my status as I am not longer under debt review. I see on my credit report that Finchoice still states 'under debt restructuring.

To date, I have not had feedback nor have they read my e-mail. I emailed Finchoice on 27 May 2021; 6 June 2021 and 14 June 2021.
1. Account No. 6986065
2. Account No. 6909995 (revolving credit account)
3. Account No. 6909995 (personal cash loan)

I am seriously not impressed. Please can you get back to me on this. Much appreciated.

Good day,

I've been uploading documents none stop finally I've been informed that they received it and I am approved no problems! Now the lady informed me when we are done with the phone call she will send me the link to with draw the amount I was approved on it's been a month now that nothing has happened even if I try to make contact with some one to assist me honestly is some one else spending my money that I will be reliable to pay at the end? And how do I login Mobi account if that is not even bearly working I can not make access of any of your self help online things come on some people really relay on things like this please need assistance ASAP!

My name is Sylvia lindiwe Buthelezi. I applied for my claim for my late father, before I sent the documents to [protected]@finchoice.co.za I called to ask which documents were to be sent. I sent 14 documents of which they were in a PDF format, but sadly I got stupid emails of demanding documents of which I have sent before. It's being 72 hours and it hasn't paid up, I owe the undertaker money and my employer money for food. Worse part is that the undertaker withheld cars because of not getting any payment, I had to drive 7kilos to thier branch, PREGNANT and frustrated to go try and convince him to release the cars and that he will get his money buy showing him emails from u guys of which I was so irritated because the papers that were requested were already sent and finchoice was to payoff my claim. Please pay of my claim so that I can pay these people. After the claim has been done I want nothing to do with finchoice. Your employees are incompetent and useless. They have not been useful to me. I have been put through shameful experience of which seemed liked I ddnt insure my father. And if the claim is still not being paid, am taking this matter to my lawyers. TOTALLY UNEXCEPTIONAL

I applied for a loan on friday 31/07/2020 after I received a sms 's.1-sms thank you qualify for a loan (almost) please reply with your e-mial adres only.2-sms thanks we now have everthing we need and will process shortly. To check the status of your appliaction later, please reply'status", I did reply with status. 3-sms congrats! Finchoice has approved you for a loan to accept the offer please complete the form. I did fill in the forms and submit it!..4-sms your loan pre-approval staus is previously approved as you were approved recently by finchoice loans. A consultant phone me on monday
03/08/2020 10:13 to ask me for my bank statements, I told here that I did give finchoice permission to check my statement from absa. She looked and say o sorry here isn it. She told me that there are no salaries show in my bank account and she ask me if my salary is paid into another account, I told her yes. She then told me it would not be a problem as long as it shows its for my salary, I went a draw the statements and mailed it on monday, I received a sms that tell me that they did received my documents and will process it shortly 03/08/2020 15:12. Today thursday 03/082020 15:56 a consultant phone me and told me that they cant except my application due to the bank statement thats not in my name! So how can they tell me its right and the next moment its not! Please assist me in this matter, I will really appreciate your help. Kind regards. Marinda nagel.[protected]

My loan has been settled on the 15 May 2020, but on the June 15, 2020 Finchoice continued to debit the installment amount. I made several attempts to get my money back but this did not go anywhere. Ive lost count of how many times I called Finchoice in trying to resolve this, clearly they are not willing to assist me. Each every time when Im called they told the matter has been escalated to the supervisors. Till this day nothing has been done. The last Finchoice consultant I spoke to told me that she can not see anything from the system and that no money will be refunded because I still have arrears. When other 3 consultants told me acknowledged that this is a bookeeping error from the Company side and that they will come back to me. Till today. I have a very bad experience with this Company and will never ever have anything to do with Finchoice again.

Dear Sir/Madam,

I was called by 2 of your consultants regarding my account that is in arrears by a month, to make payment arrangements. I did acknowledge the arrears with both consultants and arranged to make the payment by the end of April 2020(30 April 2020).

I then requested Finchoice banking details to make a direct transfer of funds into Finchoice account but to my surprise, none of the 2 ladies couldn't provide me with the details and insisted that I should pay via debit order because it's the only convenient method of payment. One of the consultants by the name of Lee-Anne even offered me an easypay acc for me to pay at one of the retail shops (which might be affected by the lockdown).

I did explained to the lady that I can't go and queue at one of those shops on a month end, during lockdown, hence the reason for requesting the banking details. Lee-Anne started arguing with me and accusing me of refusing to make payment arrangements.

I just want to put this on record that I'm unsatisfied with the way I was treated by your consultants and feel the treatment was unfair and unacceptable.

Can the customer complaint management please resolve this issue and revert back to me with a solution?

My cellphone number is: [protected]
My email address is : gugu.[protected]@ruralfreestate.co.za

I have been a customer of finchoice for years!.. I am extremely frustrated with finchoice..
My debit order for december 2019 went off on the 14th and in january 2020 I was contacted by finchoice telling me that my account was in arrears. I sent proof of payment to them and they were able to pick up my payments.
I am not happy because I am listings on itc as having not paid, that information is not correct, this affects my credit scoring.
I want this rectified asap and finchoice systems updated so that I am able to do withdrawals as this was not my fault.

Good day.

It was on the 11/12/2019, first phone call made to Finchoice requesting a refund as I did a debt consolidation through my employer. They overpaid finchoice and the lady I spoke to advised that it will take about three to four days (excluding weekends) for the refund to be processed. Then on the 17/12/2019 phoned again as there was no refund into my bank account still the lady said the same thing, few days later phoned again I think the lady's name was Anita advised the same and advised that te two previous consultants did not update my account hence the delay. Three to four days passed again on the 22/12/2019, phoned again it was on a Sunday a lady by the name of Wendy advised that the requests by the previous three consultants were rejected as they need a proof of payment from me. I was livid as no one previously had mentioned of same and why I could only hear from the fourth person, nobody contacted me to advise about such. How is it possible speaking to different people in the same company and they provide with different answers. Totally unprofessional and ineffecient, only then I spoke to another Wendy the next day who promised to phone me back and never did. Now have logged a request from my employer to send a consolidation letter in order to forward to Finchoice. Given all the years being their client and now there's a credit amount in my account they couldn't even follow up or do the refund. Never will I do business with them again so disappointed with them that they didn't have the expertise to resolve my query first one than to wait this long. Can be contacted on [protected]