Capitec Bank
Reviews and Complaints

I have been with capitec for more than 4 years now and recently they have suspended my account due to my permit renewal.I have been terribly inconvenienced by this move. I have numerous debit orders set to go off my account tonight and tomorrow. Its month end and I am stuck a thousand km away from home with no funds yet the delay is with the Department of Home Affairs. Which is why the Department has issued a reprieve to all Zimbabwe Nationals using the ZEP permits.

Good day

I visited your Dobsonville branch on Friday, 23-02-2018, to open an account with my ID and father's proof of residence, I was advised by the gentleman that works there to bring a copy of my father's id and have him sign the fica declaration form, I Then went back to get that done.

Two days later Monday, 26-02-2018, I took time from work again to go sort my bank account, I was then "assisted" by an incredibly arrogant gentleman by the name of Justin who said I cannot be assisted because my father's identity document says Themba Isaac Binda and the Municipal account is under Isaac Binda, he then continued to efectively ignore my explanation that my father is a pensioner and does not have any other mail besides the one I had.

I do not have any clothing accounts, I do not get any mail, only communication I get is from Unisa which is via email, does this then mean Capitec can not do anything for me because I don't have a proof of Residence? Has Capitec become so great that they refuse a potential client for something so miniscule?

I do not want to take the matter forward, I would be happy if it was resolved as soon as possible because unfortunately I cannot get another proof of residence as there isn't any mail that I am receiving. Where do I go from here?

Njabulo Binda
Ntimba Consulting
[protected]

I made a transfer using mobile banking and I transfered money into the wrong account, however I contacted the customer care and they said to me they will put the money on hold that I shuld visit a branch of wich I did but I could not get any help I was told that they need approval from the account holder so to reverse the transaction but then I have proof from vodacom that the last time the number was used was on the 5th of october 2017 now what happens?. This is unacceptable and somebody has to do about this.

I Took a loan with capitec over the phone within 48 hrs I decided I don't need the loan I called them to do a reversal I was told I should go to the nearest branch which I did, upon arriving at the branch no one could help me reverse the loan, now I got a settlement letter i need to do a transfer from my account to their account i dont mind paying the initiation fee but why should i incur bank charges for transferring the money bank to their account they were quick to do a deposit what is so difficult for them to reverse it they never even send me a contact for that loan for all i know i'm obliged to pay what the gave me

Hi my name is kevin steyn I deposit money in my account on the 5th of february for my contact at vodacom to be debited from my account I made the deposit at the atm after that I asked the capitec staff member at the door (male) to take a look at my slip and debit amount to see if my balance is suficiant he told my it was okay and the debit wil go off with no problems so on the 9th they tried end it came back on the 14th unpaid insuficiant funds now vodacom is penalizing me r100 for a failed debit.. I went to my branch at eastrand mall they looked in to it and told me the have to speak to the staff member so I left and went back the next day and nothing was done yet so they called vodacom to get more info and the saw that the fault was on capitecs side so knoe 5 days ive been up and down to see what they are going to do I cant pay for others mistakea it just seems unfair so I need to be conpensated for this matter since it not my fault I was there today and still nothing has been done... So I called my lawyers and we will see where this goes.. Good day your client kevin steyn

Hi, I am very disappointed with the service that I got from Kempton Park square when I went to print a bank statement Lebogang was assisting me and I did not like the way she was giving me instructions she was disrespectful as it was not my 1st time going to the branch, if this is the way we will be treated in branches than I will have to close my account, Lebogang said she has been given a lot of work hence her frustration as she also mentioned that she was tired, disappointed client Langelihle Kubheka my cell:[protected]

Dear Capitec bank I am writing this email to you out of concern of how I have been treated at one of your branches in Evaton mall. I needed to open an account last week and I was told that I couldn't because I didn't have a proof of residence that had my name on, I was told to make one at the counsellor. I came back yesterday to bank with the proof of residence from the counsellor but I was told they won't open the account because a letter from the counsellor requires me to be employed as I am unemployed. So my plea to open an account was rejected, do I need to have a job in order to open an account at capitec? I'm confused

Hi there

I applied for a loan in April 2016 with Capitec Bank online and a consultant called me to finalize everything. I took a loan because I was desperate and wanted to pay up my late mother's car as the bank wanted to repose the car. I wanted a load of R150 000 but I end up getting an amount of R146 608.20.

Everything was done over the phone with a consultant. I only received the contract when the money was in my account. I started paying every month, but sometime in 2017, I went to Capitec Bank to check how much still owe, because I wanted to settle the amount. The consultant who helped me said, he can see that I have been paying every month but the amount is not decreasing. He doesn't know why am I paying so much interest. My installment is R4463.85, he said out of that amount I only pay something like R1000 towards the settlement of a loan, the rest is interest.
So I need to lodge a formal complaint and I request my loan agreement to be looked at and the high interest that am paying. As it is now this installment is killing me and I can't do anything else. If I knew that this bank was going to put me in this position or more in debts I was not going to take a loan for Capitec. I thought your interest was reasonable but now I don't think so.

Also I only received loan statement once. The only time I can know how much is the balance is when I go to Capitec branch to check. This was also shocked that am still owing more than R120 000, since paying those R4463.85 from May 2016, still there isn't much different. Something is wrong there. Even if I get someone to give money to pay off this loan, nobody can give me more than R120 000.

Please find the attachments I have for your information. I hope to hear from you before I go any further with this issue to seek some assistance, from other channels as I can't live like this anymore.

Kind Regards

Qhawe Ntuli
Siboniso.[protected]@gmail.com

To whom it may concern

It is a very sad moment for me because of my blocked account for unreasonable reasons. I am a Zimbabwean which a ZSP permit that is expired and is in process of renewal, the home affairs management did notified the banks and all organizations of south Africa of the process of renewal, so why are you blocking our accounts?

Very sad capitec client

Cephas sibanda

My account [protected] has been blocked unlawfully. I have been terribly inconvenienced by this move. I have numerous debit orders set to go off my account tonight and tomorrow. Yes, my visa has expired, however, the delay is with the Department of Home Affairs. Which is why the Department has issued a reprieve to all Zimbabwe Nationals using the ZEP permits.

Regards
Tapiwanashe Mataga
[protected]

I have a credit facility with capitec and I pay R3390 a month and I'm almost done paying off this loan as I am left with only 2 payments however I went to the flora center branch and I was declined a loan based on something that I sorted out on the day, I have gone back there everyday ever since I am not receiving joy. I bank with capitec but I cannot rely on capitec in my time of need then tell me what is the reason for me to continue banking with you guys if you do not help me in anyway in my time of need. I am pissed right now because I am even thinking of changing banks because you guys are not useful to me even though you know for a fact that I am capable of paying you back

I have transfered money by error into a wrong account via cellphone banking on the 19/01/2018 and I reported the matter on the 21/01/2018 and I have been informed that the money will be placed on hold for only 48 hours and if the bank cannot get hold of the person who received the money after 48 hours they will release my money to that person. That to me is not a good way of treating your clients, where does the bank get the right to release my money to someone else after I have just informed them that money went to the wrong person, I am not happy with the way Capitec treated me and I personally feel that I have to refrain from using this bank as I feel that they are introducing products they cannot control or manage. I understand that they cannot reverse the money without the client's consent but you can hold the money until the client comes forward.

My account was stopped by capitec bank with out letting me know or with out then investigating the matter I have been banking with capitec for years and never had any issues I get to the branch and they advise me my account has been permanently stoped due to me providing the Lewis group with fraudulent bank statements this is unacceptable as no one even alterted me of this even when I did explain my ex husband has an existing account with Lewis so the store does have access to my Id book and documents I did apply to Lewis Stores for accounts but did not give them fraudulent bank statements I have a clean criminal record itc clear a stable job and no history what's so ever with fraud how can capitec bank stop my account when I am innocent and have no grounds to find me guilty especially when I have had the account for so long and its the only bank I'm with capitec is unprofessional and I am beyond upset as they can right me off after iv been a loyal customer I am appalled by this
Taren SHAW
[protected]
Cell [protected]

Good day
I hope this email finds you well. I visited the capitec bank bethworth park branch in vereen iging on the 16 January 2018 at about 14h35 wanting to open a new account for my son.. we got all the documentation with us and all of them were certified and the next thing the acting manager by the name of hannes refused to help us because the first page of the I'd was not attached to the cover due to the I'd being a bit loose and we argued about that because everything is there all the pages and a dress at the back of the I'd he even contacted head office and they instructed him to help us and he still insist that he is sending the document for forensic proof and we are now almost 2hours inside the bank please help
My name is Amos
[protected]

Good day

I sent the below e-mail to your CEO Mr Fourie & has not received any feedback from anyone. E-mail reads as follow:

I hope this e-mail finds you well. I need your intervention on my situation please. I visited your branch in Southgate Lower level on Friday 8 Dec 2016 n was assisted by Wendy Mzhambi.

My encounter was horrible but my business was done so l accepted, left the branch & finished my Christmas shopping being at Southgate until 20:00 last night.

Realizing l don't have my I'D l contacted the branch Sat morning & they confirmed it was at the branch & that the consultant "said" she tried to contact me to collect it & that right there is why l am contacting you. That is a lie. I did not receive any phone calls or messages & l attended to all my messages & calls while at the mall on that day. She did not try to contact me because l would've collected my I'D before leaving the branch.

1. I am not able to get to the branch but l need my I'D urgently.

While l am writing to you please allow me to also give a bit of detail of my visit yesterday.

I could've been finsihed long before actually doing so because Wendy was having conversations with fellow colleagues & one could've accepted if it was business related but it appeared to be more of a gossip, because after one od her conversations, she accessed an excel sheet n studied the sheet for a lengthy period. I thought it had something to do with my request & also studied it but learnt it was a portfolio of evidence n nothing to me or my documents. She had absolutely no regard for me sitting there while she was browsing through info for a lengthy period.

I almost felt guilty sitting there feeling like I'm inconveniencing her or that there are more important things she has to attend to, but can't because she has to help me first.

I am really hoping you are able to assist me in getting my I'D & also if possible for Wendy to provide proof of her attempt to contact me. It is a huge inconvenience & unnecessary expense getting to the mall again for someone to just simply say come back & collect. I believe that her disregard for people or customers is why she didn't contact me on that day or even the morning after. I was the one contacting the bank to query.

I would really appreciate your intervention in that regard.

Yours in good faith
Blanche Buys
[protected]

My name is Ezra Jackson
I don't know where to start I was very happy with your service until last week.

On the 28/11/17
I wen't to centry city Canal walk Capitec Branch. Cape town
I than ask a staff member by the name of Dale if I could do a instant payment inside the bank to
my main account which is with Standard bank.
He than told me know I will have to add my standard bank account as beneficiary on my cell phone aap
He than contentious to help me by putting the account number in ect.
After it's all done we check it than paid R29940 into my standard bank account.
When I check it I told that there one number that's sort in my standard bank account number.
So the money got paid into an account the doesn't exist !
He than called head office told them something went wrong with my app etc.
Thy than informed him that the money will be back in my account in 24 hour.
The next day I than went to Capitec Ottery Branch Cape town.
A gentleman whice is trying on of the staff at the Branch at counter 8 is trying his wout most best to sort this problem out ASAP.
He than called Head office thy said the money will be in my account in 48 hours
I needed money like last week.
I'm planing on going on hoilday next week.

Well on Monday 04/12/17 I went back to Capitec Ottery branch cape town
The money never cleared I just can't understand how I can get told all this story's and no help.
He than called head office to ask them whats going on only to find out it will now take 7 to 14 working days.
I can't understand how the staff in the first place can help me than put in the wrong acccount number.
Now I have to walk after money and it's big days now.
What do I tell my children and family of 5?
I'm the breed winner in the family we had so much plans but now we waiting on our own money.

Please let me know what's the way forward regarding me getting my money ASAP!
My number is [protected]

my insidant number [protected]

Dear Sir

I have applied for a credit card through Capitec Bank in Rosettenville. I am banking with Capitec for several years and my salary also being transferred monthly.

Now Capitec declined my application due to affordability which is nonsense.

Please see I also (didn't tell the branch) transfer monies every month from my account [protected] to my Fiance's account for our savings- account number [protected].

I am very disappointed that due to affordability.

We might withdraw all our funds and invest somewhere else.

I gave the branch my last 6 months payslips, water & light account etc.

Please advise

I have visited this branch yesterday afternoon 04:40 pm and needed assistance regarding 2 debit orders that had gone off my account. I needed to get a reversal for this as this has made some of my other debit orders not get funds.
When I arrived at the branch there was not even anyone at the door to assist me... After trying to get a service ticket my self I was then assisted my a consultant who gave me a ticket and I have a seat. The consultants on the floor assisting customers where not at all happy to see another customer come as it was close to home time...I felt to un-welcome and like I was at the wrong place, but never the less I sat and waited. Once my number had been called I have a seat with a consultant named Lulo. This guy did not even listen to what I have to say and the reason why I wanted to dispute my payment. He informed me that my account was blocked and could not dispute a payment for any of my creditors as I have to get "approval/confirmation" from them in writing. To my surprise! He made me call African Bank and request for this and after been told I could not get it and him checking is watch every 2 seconds...he simply told me there was nothing he can do. He did not even open the statement to see how the payment went off or what I was talking about. I was so upset and he could not even see that. I then decided to call the call center this morning and both my creditors TO CONFIRM THIS and I was informed to try another branch as they did not see a problem with my account. I was happily assisted by the Woodstock branch and it was not even 15 mins in and out! Wooow what a difference...I am really disappointed in the was that Lulo treated me. I can believe that he would be so careless and inconsiderate, yet he works with customers everyday. I feel so sorry for some of the customers he has mislead and even provided false information to...simply because he is lazy. I do know he got the job and was able to keep it while this is what he does. In fact that whole branch does not seem like they work as a team and I don't even want to know what the manager is like because I can see it by the way Lulo was behaving when I was there. I would never make the mistake of going there again even through it is close to me but NO THANKS!

I have a credit card with capitec and I agreed that full payment be taken off at the end of each month yesterday the amount was debitered uptill not payment has not reflected on the credit card. I went to the bank this couldn't be resolved the issue was escalated to headoffice by they also couldnt help and told me to wait if payment not reflecting tommorow to come back to the bank.