Capitec Bank
Reviews and Complaints

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

The incident took place on 2017-07-17 on your branch in lichtenburg
My name is jaydee roux ad I wanted too get an credit card and could not be helped after 2 and a half ours waiting I whas told I dont qualify for a credit card as my salary is much more than expected the lady that whas helping me could not do the job on her own and says I must come back after 3 months because my bonus that I get is making that I can not get an credit card, I opened a capitec savings account in the begining of this month as I were at absa and now im closing the capitec account as I am not at al happy with the service im getting im going too helo pieter and the internet also too complain about this

I am. Currently in one of your captive branches in cosmo city.. I have never experienced such an unfriendly service as much as know captive for it's great service I must say I am disappointed.

I got no smile from the person who was assisting by the name of buhle and she kept on speaking to other consultants and whole concentration was not on client's..

She knows her job but I don't think I will come to. The branch no more

I am bankig with capitec bank but what they did to me showed bad customer service. I went to the to get help since I needed to boost my itc status hence I never had credit before. The consultant there advised me to take a loan since I can split it up to 18 months rather thatln credit facility becouse I must pay it once off. Ok I agreed to that, so he took my payslip to check if I qualify and I did qualify.in order for him to proceed he had to call my hr to confirm employment, only to find out my hr was gone by that time. The consultant advised me to come back the following that becouse I must be in his presence when he is confirming. I went out early that day so he can call at work, sadly my hr didn't picked up. I advised him can't do the same process again he had to call them the following day and I will come back to conclude everything. Today a female consultant called at work and confirmed, I went to the branch and the different consultant advised me I can't qualfy to pay up to 18 month, I must pay withing 3 months since i'm a call centre consultant, but must try to go to durban branch they can assist. I am so pissed becouse I wasn't told that the first time I went there. I will not recommend capitec to any one regarding credit after what they did to me wasting my money and time for nothing. I won't even go to durban branch, becouse I will also wast my time and money.

I am a happy with capitec back but what happened to me this past days with one of their staff johannes mmakgabo was totally poor service, I gave him my payslip on the 8/7/17 so that I can get facility loan then he checked if I qualify indeed I qualify then he suggested that I take long term loan then, I refused he then said he will confirm the employment since monday until thursday when I called in the bank looking for him if he confirmed but he said someone have my payslip he can help me, on the calls he hang up the phone while I was talking to him, that was rude, unprofessional an poor service from him. After I called lephalale, marapong branch where he is working for manager. He then said he is looking for my payslip and now he has them, I can come an collect them, but without a help for a week, I say he is unprofessional an will take good service of capitec bank down
Please do something about him so that he can realize that he is there to help an service customers

14 april 2017 my bank card was hacked. The bank failed to investigate the matter. Instead they claimed I have given someone my pin for my my money to be withdrawn from my account.

They still gave me the account number and the persons contact number but they could not suspend the account and investigate this person.

I am appolled by their service and I am closing this account.

My account has been closed by other client she borrowed me r3000 by the time I was suppose to pay her my phone was unreachable because I was in rural areas so she taught I robbed her, capitec closed my account on the 14 june, on the same day I was paying the client r1500 via fnb, after that she wrote an affidavit explaining that there was a miscommunication and she cancelled the investigation, and I told her that I don't have another 1500 now as my capitec account is closed and is the one i'm getting my salary from we aggreed both of us I will pay her when my account is active because I don't have money as my money its stucked from capitec, they told us that we must email i'd copies and proof of payment of r1500, and affidavit of what I agree to refund her r1500 from my capitec account we did that, but still my account is closed i'm worried because I will get paid for twice and not getting my money, why is so easy to closed my account without confirming to me and now i'm stucked, capitec is taking long plzz help just realise my money

Good day

On 26may 2017, I sent money to an incorrect number. Capitac refused to reverse back the transaction only because they could not get hold of the person via the number the person provide them with, the person does not even use the account anymore. My r1000 that I have worked for very hard is still there on that persons account. Capitica is sending me to police station to open a case of fraud against a person who did not do any thing wrong. What I don't understand, what will make me get my money back from them because I don't have time to go court's n police stations for something they can do. Can anybody help me with situation. I'm tired of going to capitec bank branches they are so not helping to my case. What they good at is to send me around the world. Because at first they told me to go and open a case in small court claims. The court send me back to them n sad there is nothing they can do for me. I can't open a case against someone I don't have information for help, help, help please somebody.

I gave in all my paper work to capitec bank call centre and they said a must email my doc. To them and did it an email was send back from capitec bank and say dale will call me with in 2 days butt that is 3weeks later and still no call from calle centre or the branch very very bad from capitec now what must a done about capitec bank not doing what they are saying they gone do

Good day

Incident number [protected]

On the 14th of july 2016 I had requested a settlement amount for x 2 capitec accounts that I previously had.

Settlement was then r5450.00. I continued to pay the attorneys. I requested a settlement letter this year in march and the amount was r6172.00.

I then called the attorneys and enquired why the amount was so high, capitec cannot trace any payments received from their attorneys from july last year.

Nobody can assist me at capitec, I am unable to get answers. I need to know where all those payments have been allocated.

I have spent hours on the telephone and sent many emails to no avail. This is highly frustrating!

I went to the bank to get a lone after paying my outstanding fees to the bank, five days after whent and applying for another loan and when I need it most the bank tell me about criteria chang. I could also qualifie for the loan because last year december I did not know that we should go and pay by hand, the bank does not make debite orders go off putting me in the red spot. What's ironic is, the bank gave me the previous loan without telling me about last year's or asking about payment not pay in december 2016.

My account was sold to nba attorney's.

Last year I settled my account... Today I found out capitec blacklisted me for r5.16...? When I called them they just laughed and said they can't believe it... Now I have to wait 14 days for my name to be cleared... What I don't understand was that the account was sold to an attorney to collect the outstanding fees.. How can I be blacklisted if I have a paid up letter..?

Crap bank!

I will never refer anybody to them.

I am utterly disgusted at the service from azra at chatsworth capitec. I have been to her sunday 26 february to apply for a personal loan. She then asks me to go and print my payslips which I found strange as I usually sit right in the branch and email it to the consultant. I bring the payslips back to her, she then says she needs to confirm employment. I don't understand why, because I have been banking with capitec for many years and I have an existing loan and I just settled one less than a week ago and I have provided proof of employment via my payslips.

Azra then says she will contact me when she confirms employment. Monday I received no feedback from her so I went into the branch. Azra then says she has confirmed employment but then has to get feedback from head office and will contact me within an hour which she hasn't done. Today (tuesday) I tried calling the branch more than 20 times and eventually get through. Azra says apparently head office says I am a commission only earner and will not give me a loan.

So my question is, if I were a commission only earner, which I am not, how was I able to get loans in the last year? Surely being an existing client, you are able to deduce who is commission paid and who isn't? Yes I do earn commission, but I do have a basic salary as well.

I would really appreciate feedback as this has really been an inconvenience to me and I am looking at changing banks. Because of an incompetent staff member, you may have lost a loyal client.

I have been purchasing goods online for over 7 years and sadly to say it is the first time that I have experienced unauthorised purchases made from my account. I never had a problem at my previous bank.

So I had to get a new bank card and the matter is now being investigated by capitec. I also made complaint to the company that I recently purchased goods from online and they too are investigating the matter.

My question however is how is capitec making online shopping safer for it's clients?

I found out at the bank yesterday that I should not make any online purchases if 'they' do not ask for my secure code. This was news to me as I did not know anything about this and was never prompted for my secure code in previous years whilst online shopping.

I sincerely hope capitec can settle this matter as soon as possible and that it takes more effective steps to improving their security for online payments.

On the 30th.12.2016 I visited capitec bank and umzimkhulu because I wanted proof that I have an account with the bank so I can submit to my medical aid to process my claim. When I got there there was only one person assisting at transact she was doing both transact and enquirer and lucky there were two of us so I though I will be out in no time but waited more than 25 minutes because one person was assisting. After that some client that came after me was called and I waited another 20minutes then I was called after 45minutes. I told the lady whose name was zandile that I need proof of my account I want to submit to my medical aid she printed it and gave me without a stamp, I told her again that am submitting to my medical aid so I need a stamp, she came back telling me that the stamp is locked at the safe and the manager is not here with the key that was around 11.30 when I got there, I asked her if she is telling me to wait for manager after such a long time av been waiting not being assisted she said yes I told her that am in a hurry and its not my fault that the manager is not here what I need is proof with a stamp, she told me to move aside so she can help other people that had just came I told her I will not move because am not happy with the service and am in a hurry they must allocate their manager, and so she left me there sitting and she opened another computer and continued working and I sat there like a stupid after 15 minutes I asked her again how long should I wait because now its an hour av been in this bank, she said 15 minutes I told her that will be 30 minutes after the 45 minutes I waited before I was assisted and that I have not been assisted at all because am still waiting for the stamp, I ended up getting angry sitting got stressed my hurt starting beating fast and I cried which I believe that was not good for my health because am taking depression treatment so I asked my self why should I continue using this bank if they will stress me like that, they did not mind they did not even offer me water to calm me down. They were up and down whispering and laughing at me and I started shouting at them to find their manager, but nothing happened, manager came back after 30 minutes av been crying and so they did put the stamp and what makes me more angry is that this manager did not bother to come and apologies to me which means if I had fell down in that capitec because of my sickness they would have laughed, I want certain measures to be taken against those employees because a client will die there one day because of their treatment and want that manager to apologies to me or else am not going back to that bank
I left at 13.20 which is two hours waiting for a stamp

Thank you
Mrs thembeka biggar
[protected]

Op sondag die 10 de desember het n man by die deposito masjien van capitec bank my kaart omgeruil... Daar was n r50 noot in die masjien en die masjien wou nie my kaart vat nie... Hyt gemaak of hy my help... Ek is n 58 jarige man en nie baie goed met vandag se tegnologie nie... Hy het in die proses my kaart omgeruil... Nadat hy weg is het ek die kaart (wat ek gedink het is my kaart) in masjien gedruk met my pin en die kaart is gesluk... Ek was onder die indruk die bank het my kaart gesluk en eers toe ek 5 minute later n sms kry dat daar r1100 uit my rekening getrek is het ek besef hy het my kaart om geruil... Ekt di kaart gestop en na 2 oproepe na capitec bank reken hulle ek kan nie my geld trug kry nie want ekt nie die kaart gou genoeg geblock nie! Ek moes sukkel om aan n engels sprekende te verduidelik wat gebeur het en hyt self gese hy verstaan nie! Hoekom kan ek nie my geld trug kry nie? Daar was nie sekuriteit by bank nie... Tel [protected]

I am writing on behalf of my client, mr. I bloems, who had an unfortunate event at the parow centre capitec branch last week sunday, 04 december 2016, between 10:h00 and 11:h30. The consultant on duty who assistant my client was (spelling under correction) zhuandre. My client withdrawed money from the atm, when the transaction went through the bank system and off his account, but the money never came out of the machine. I have attached his bank statement in case of referral from your side.

My client reported this incident to the consultant in the bank, who in turn reported the incident to the bank manager on duty that day. Apparently the case was referred to your call centre and/or head office telephonically. A range of events with regards to this case occurred afterwards after which my client was told he will not get his money back. I fail to understand why none of the consultants or the manager went out with my client to investigate the machine and confirm that there is something wrong with the machine. My client went back to the parow centre branch on monday, 05 december 2016, between 09:h00 and 10:h30 awaiting capitec to either give him the money that did not come out of the machine or reverse the transaction on his bank statement. He had no success. When my client requested that capitec check on their atm cameras whether the money came out he was told that capitec does not have atm cameras. Me, myself am a client at capitec and I was shocked to hear this information.in light of the current bank fraud cases reported daily, how can this very essential control measure not be in place at capitec. That besides the point, how can you refuse to refund a customer’s money he did not get when you cannot even provide prove that he receivec the money and that after numerous complaints were lodges about this atm machine. Even some of the consultants at the bank mentioned to my client that capitec head office is aware of this issue.
This is so sad and disappointing to hear that this is the way dedicated customers are getting treated at capitec. There is no sense of customer service here in this incident and it is totally unacceptable.
This is definitely not the first incident like this and will be investigated further. I have read some of the complaints on the capitec complaints board and it’s shocking the incidents that happen to people and them not getting any response. I believe our people have taken capitec in their trust and trust that capitec have their good interest at heart and are taking the save keeping of their money a main priority and responsibility. From the cases I have read and just this incident of my client I have developed big doubts in this well-known bank.

I am therefore sincerely requesting and would be grateful if the branch manager of capitec parow centre and capitec headquarters in stellenbosch relook the outcome of this incident and reconsider refunding my client’s sum of r3000.00 in dispute or reversing the transaction on his account as he is willing to take a lie detector test as proof from his side to the authorities to confirm that he did not receive the money from the atm machine in parow centre, seeing that capitec has not gone the extra mile for him as a loyal customer. A confirmation that regarding your reconsideration would be highly valued and appreciated.

Yours faithfully,

Accounting officer

Hello peter
My name is jabu happiness. I bank with capitec bank.

I have been robbed of my money by capitec people. They claim that I gave my pin to the unknown people, which is incorrect. All transactions robbing me if my money took place at night and in johannesburg.

They are as follows :
1. An amount of r200 was transferred to account number [protected] on 4 june 2016 - account owner not known and account number closed.
2. 5 june 2016 - withdrawn by unknown person.
3. 5 june 2016 - r3400 withdrawn by unknown person.
4. 5 june 2016 - r100 x 11 of mtn airtime was bought so ridiculous in my account and at midnight.
5. 5 june 2016 - I personally withdrew r500 in vryheid in kzn around 14h00.
6. I reported the matter to the police station :. No satisfactory outcome.
7. Again, I reported to capitec bank as follows: 06 june 2016 - reference number is 2517577.
8. 20 june 2016 - reference number :[protected].
9. 23 june 2016 - reference number [protected], finally they were telling me they cannot assist me get my money.
10. Please help peter claim my money back from capitec bank. I must be a victim of their week system of control.
11. You may contact me on [protected] or [protected] or [protected].

On monday 19 sept I went to the kriel branch to change the address on my daughter's account. I had all the document required. The consultant asked me for my daughter's id no. I told her that I do not have it with me, but that she can just look on their systems as it should be there. She replied that she can not see it on their system? I left and phoned the manager. She said that it can be seen on the system, just at another computer, she would talk to the consultant and get back to me. The manager phoned back and said that they were busy in the room where the other computer was, but that was not what the consultant told me, she just said that it can not be seen - my conclusion : the consultant did not want to help me as it was to much effort...

This morning I spoke to an extremely rude busisiwa, collections department at capitec. She wanted to argue my pay date and kept on insisting that I get paid on the 24th. She is rude, has no listening skills and no people skills. She didn't even give me a chance to speak. She wanted to make sure that she has the last say. She ended up the call by hanging up on me. I strongly suggest you fire that busisiwa person. She doesn't belong there. I am now more frustrated that I was before I made that call