Capitec Bank
Reviews and Complaints

I have paid money into an ABSA account (Direct payment) used incorrect number. Absa Client contact Capitec and they did nothing. They called me did not get the client name or number. I went to the my bank Capitec they cannot help I must go to absa. Absa refer to me to Fraud at Absa Digital at Absa. In the mean time spoke to client and gave authority to pay money back to me. To date still no money received. R24 500.00I have Reference numbers for Capitec and Absa it looks to me like the banks does not want to help. Absa C-[protected], C-[protected] 00D1r1GluM._5001r2O and Capitec [protected] and 6639722. Will I ever get my money back I will have to take this to the media by Monday if I do not find joy all the say they cannot help

Borrowed a personal loan of R249 000 in 2017 October have already paid approximately half the amount I borrowed but still when I check for settlement it reflects as I've only paid 20 000 when I check the overall credit amount seems that capitec is getting interest more than the amount I borrowed, that's why the loan still doesn't change much even after so much payments, seems as if I'm being Scammed this seems as so illegal and unethical I request for credit contract review, because I really don't want to go to debt review, I ask Capitec to deal with this matter first, this is really so unfair, even when we invest our money we never get as much interest more than 100% of what we invest, capitec, I have no idea why you doing this to me maybe you do but to me it looks so unethical and illegal. Recently on 4th October 2019 I went to capic branch asking for a change in debit order dates from 31st to 15th because my payment dates are changed at work but the consultant I spoke with said the monthly premiums will also increase, I was so shocked, it's only from Capitec, all other banks and every debts I have never said such a word, capitec surely want to ruin my life, my name and contribute a lot to my poverty. I really request for fair treatment and review if debts I have with capitec with immediate effect, I'm almost loosing my mind.

I have been to Cresta yesterday - Offline no help! Phone line just added to absolute frustration.
Today Ferndale Village - Offline no help! consltant was rude to start with. No help Phone line added to frustration in the nth degree.

WHEN ARE YOU ONLINE?

Would like to close my account as Stranded bank looks positively efficient. To think that I was wanting to move all ny banking to Capitec. The gorse incompetence of we offline no idea when it will be back, NO INRETNET BANKING WHOLE PROBLEM TO START WITH!.

Please advise how I can close these accounts when will they be ONLINE.

THE MOST USELESS UNFRIENDLY INEFFICIENT BANK.

Good day,

We took out a load through Capitec in April. We struggled to get through to request a settlement letter, finally we got helped. The settlement letter was sent to us via email and we paid in full. Now I am struggling to receive my paid up letter. They keep putting me through to other departments and when I get through they say I must go to the bank. When I go to the bank they say I need to phone in.
Can anybody help with my paid up letter?

Kind regards
Evert Potgieter

I am a South African working in Uzbekistan, I bank with Capitec, I have submitted all the required documents to have my salary released by the bank but still to this day nothing has happened.
I have written countless emails to the bank to get clarity about the international funds they received in my bank account, they have not responded to my emails

Good day Capitec Team,

I am saddened with your service!

On the 23rd of Sept 2019 I did CASH SEND on your App and when I went to Shoprite I was told the money is not available. I then went to one of your Branches in Philippi and the agent that was assisting me called the Head Office and I was told to wait. My sister had to go to Eastern Cape but Shes still here because you guys are still keeping my money. What must I do? When am I getting my R500 back?

Your early response is highly appreciated with this regard so that I can leave you guys and go to professional banks with good service.

Azola Gwebeda
ID No: [protected]
Reference No: [protected]
Acc No: [protected]

Address:
1043 Sikhwenene Street
Browns Farm
Philippi
7750

email: mr.[protected]@gmail.com
cell: [protected]

I went to the nearest capitec bank Tzaneen branch to ask for my installment to be reduced since am having financial back log since my husband passed on am struggling to raise the kids and paying the loan at the same time so this month the agreement was 1500 and that I must call them every month for arrangement but to my surprise after taking that 1500 on the 20th the amount of R3322 was also taken from my account and am struggling to meet ends need

Good day the Capitec ATM machines do not have R20 and R10 notes for us to withdraw cash .It is an inconvenience cause the other ATM next to the Capitec machines are loaded with R20 and R10 notes . So we use our Capitec cards to withdraw from Standard and Absa machines and pay extra fees .Pls pls sort out this problem cause our money is in Capitec .Thanking you in advance

I have applied for a loan. Because of a person in our accounting department that didnt set out my payslip correctly, according to my income (This person was fired), I didnt get the loan. The director even told the HR manager to explain in a letter what was happening and the poor guy at Capitec tried his best, but his boss didnt want to listen. I needed that money for my child operation tomorrow. My medical aid does pay 100%. Now we can not go ahead with it, because some person didnt do their work and some boss in Capitec can not understand when it was explained. My loan ref was: Ref: [protected]. I feel that sometimes, you have to understand a situation. Everything was explained in facts.

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.