Capitec Bank
Reviews and Complaints

I am not happy at all, very disappointing and after this I am moving my salary to another bank.

2013 I took personal loan as I was building, oct 2017 was my last month to settle my loan that I was paying r2600.00. Capitec dedited my money on my pay day yesterday 15 nov 2017. I went to the branch in pretoria church and bosman street. So I am told to wait for more or less than 14 days while they are busy with investigation.

I have commitments and I need my money back, I can not survive for even 1 more day. Since now u r a big compony, where do people like us go? U can not tell me you will give me my money after 14 days while I have commitments, there was not even communication I was been told.

I need my money back capitec... I am very dissapointed

Incident# [protected] / ID Number [protected]

This account was settled on the 10/11/2017 to the cent as per the settlement attached that was received by your company.
I have requested a paid up letter and confirmation that the debit order request has been removed and to date I have not received feedback

In the last 3 days I have received the following messages from your company. An additional amount of R34.95 and now you are harassing me for R0.03

According to the TCF you are in breach and I will lay a formal complaint with the ombudsman

I made a transaction, EFT(Immediate) on the 25th October to an FNB account but the money hasn't been reflected in the FNB account.
The company requested I should provide them with proof of payment, I did that but they still can't find the money in their account, They have contacted their bank, FNB but they couldn't get anything and I was told to contact Capitec for clarification on where the money is.
I have contacted Capitec since then for a trace and to refund the money back into my account but this has not yielded any positive result. I was given this Reference No: "[protected]". I am seriously frustrated about this matter and the way it's been handled. I don't expect you guys to still be backward in this 21st Century of Advanced Technology to quickly determine or trace a transaction, it's awful.
Money is not like an Air-plane that can just disappear in the sky without a noticeable trace for days. Every cents counts and matters to me, so am not gonna let go of my money. I am sick and tired of your flimsy excuses, can't entertain them anymore, please keep them.
All i wanna know and hear from you is where my money is and put it straight away back into my account without any further delay or excuses.

Good day, I applied for a second personal loan on the internet and it was approved. I send all my paper work to the lady that phoned me on Tuesday 7th November. She only tried to phone me yesterday, but I wasn't available. Today she send me an email and said she need a landline number to confirm employment. I am working for two companies which are Faeroes Properties and Tzaneen Blueberries but its one owner. Now as you now very little companies in South Africa still have landlines. We have one that are a Wifi landline which are registered on Tzaneen Blueberries name and a cell phone number that are registered on Faeroes Properties. Now my payslip said Faeroes Properties because they pay my salary, but I do work for both companies.
Now she phones me this afternoon and tell me that my loan cant be approved because they cant pick up the landline number on the company according to my payslip. I think this is really pathetic and unacceptable because very little people still have landline numbers and I work for both this companies. I think I must get help from a other financial intuition and take my other loan away from Capitec [censored] well. I really need this loan urgently and now it takes them a week to let me know this, and its really not a very good reason for me to declined a loan. My tel numbers are as follows Tzaneen Blueberries landline [protected] and the cell phone number for Faeroes properties are [protected]. My ref number are [protected] and my email are [protected]@francolinhill.co.za or [protected]@hotmail.com
Please can you assist me in this matter because it really are a stupid reason. If you want to confirm employment you can either speak To Annemarie or Hannes.
Thank you Hester van Wyk

This morning 28 of october I used the atm at you la lucia branch, I withdraw r1000 rand and the atm gave me r900 in r100 notes and a paper slip with'giesecke & deverient southern africa {pty}ltd cash centre' written on it. It was 7:30am and I asked for assistance from one of the consultants at the branch and he said that I had to wait until 9am so he can assist me. Now I understand that the branch trading hours are from 9am but it was not me seeking to get assistance on an issue I had brought on myself but its your machines that did not give me the correct amount, telling me to wait an hour and a half for assistance for an error that was made by your machines is totally unacceptable. I work during the weekend so today's trading hours do not assist me in anyway, I need to wait until monday to get assistance for your mistake plus come all the way to la lucia just to get that help since I work in gateway.

I would like to have my money back given to me at the gateway branch on monday.

Kind regards
S'lindile dangazele
Contact number :[protected]
E-mail address: p. S. [protected]@gmail.com

Hallo.My payday is the 25 of the month.Today is the 18/10/2017.Who the HELL are YOU to take early debit orders.Can PLEASE reverse your Dt orders and wait till the 25/10/2017. That is after all our arrangements.IS IT NoT SO?.Capitec now put me in a very bad situation, because i have other responsibilities to attend to right now.THIS IS URGENT.PLEASE RECTIFY THIS FOR ME .

I transferred a lump sum from my international bank account to Capitec Bank (as I have been doing for the past three years). It's been ten days and the funds are still not reflecting. I have called the Forex helpline to no success and emailed the service line, but no response. This is down right frustrating and ridiculous. I will be closing my account asap. I have never received such bad service from Capitec Bank and I have been a loyal client.

Sir/Madam

My name is teboho khosana my id is [protected] i write this email to raise my concern im a capitec client for about for months now i tried to create a credit facility which was declined the reason being one of my files was sent for collection and when i try to find what was exactely happening i was given information that that file was wayback in 2005 and i was not even aware of it until i investigated and immediately when i found out i paid the outstanding amount which was 205 i then went back to capitec to see the consultant regarding my chances of credit with capitec and the lady i met told me that because of that file that was sent for collection capitec will never lend me money i just need to confirm that

Regards
Teboho Khosana
Rustenburg
[protected]/[protected]

As a Capitec customer for many years I NEVER had any problems with my Bank and always advised people to rather change to Capitec. After the torment received at Capitec Daspoort I am seriously considering to change Banks.
Visited the Daspoort branch as my card do not work at all merchants and consultant nr 5 tested my card. He advised that the card is invalid and that the chip do not work.. He informed me that I have to pay for an replacement card which I refused. He called someone and stated that Head Office confirmed that I must pay for a replacement card if I want to use my account.
I requested to discuss the matter with the Branch Manager Refilwe who also advised that I WILL pay for an replacement card. I mentioned that they are forcing me to go to another bank and close my account as I WILL not take the responsibility for the fact that Capitec Banks chip card of POOR qaulity. She informed me it is fine I can go to another Bank and requested the account number were the money in my account can be transferred to enable Capitec to CLOSE my account. Refilwe stated I refuse to pay the replacement fee they will close my account as Capitec will not carry the replacement fee.
Upon her statement I asked if she are aware that I have more than half a million in my accounts of which se stated it does not matter Coptic will not replace my card without charging the fee .
I am totally shocked with what the treatment and left. Then called the call centre number and you can listen to the call. The Customer Care Consultant stated she will send an sms with the reference number of the call that has not been received. The damage card remained in the branch and I do not have access to my account.
Evidently Capitec do not care about customers and/or the close accounts that has large amount of money/investments.
Will Capitec really force a customer to go to another Bank for a card replacement fee?
Do Capitec really not care about customers?
The incident caused that I am considering to move to another Bank.
L Janse van Rensburg
[protected]

I receive a pensionable income from my Late husbands company which I've invested. Going to my bank for a loan they said that they could not assist with a statement portfolio and that I need to provide them with a monthly income statement. So I produce that the following day and to my surprise they declined it as it doesn't indicate I'm a pensioner but only an investment according to their investigations. I mean really now? I've been banking with them for a few years and this is how my bank treats me?

The day before they get proof of the pension portfolio and the next they get to say it's not a pension I'm receiving. Pathetic!

Good day. My name is Jones Kubayi, on the 1st of october 2017 around 8h00 am Captic bank (Mkhuhlu branch) allowed a person who is not the account holder to withdraw a bank statement without my knowledge and consent. i would love to know why Captic bank did not do thourogh chekings as to whether the person requesting the statement is the owner of the account or not. i am very agitated about this because now it is causing a separation in my marriage. advice me accordingly as to why do we not have privancy on our accounts with capitec bank or i will publish these on media.

Hi,

I went to your Ottery branch on Saturday morning 30th September 2017, at the door Jason assisted me, I was there to change my
cell phone details, he then assumed that I was there to change the details of my loan, which I don’t have. I told him that I find that offensive
and undermining, to which he started giving me attitude, when I told him that I am not happy with his approach and attitude, his words were”
that his colleage can deal with me, he doesn’t have time for this”?

Is that the manner in which Capitec deals with its clients?

I did lodge a complaint with the branch manager and expressed my dissatisfaction.

I am extremely angered about it, I have the right to be treated with dignity and respect!

Regards
Gaston Lombard
[protected]
[protected]@live.co.za

Hello, I was at your bayside mall branch on this past Tuesday the 26th to activate my EFT from my bank card and the consultant at the time told me that I need to wait 24hrs in order to activate my secure code . I've been patient but as time went on I could no longer wait and went back to the Sam branch with the exact same problem and he reassured me that I do not need an affrication code seeing that I'm already registered for online shopping.
However, I've been trying to do the obvious and its asked me for an activation code that I do not have .
This is suppose to an easy transaction taking place but somehow there are more problems than solutions.

The service at Dobsonville shoprite mall is very very bad. Capitec has only 2 atms for thousands of customers and the branch is telling us that they dont take deposits and deposits must be done at the atm. Theres more than 40 ppl on the que and now i have to waist my time on the que. What is the point of opening a new branch and then offer bad service. Jabulani mall has more than 5 atms and dobsonville has only 2 really this is bad customer service. Please call the dobsonville branch and ask them how many ppl que to use the atm everyday. Hope o wont be forced to put this on hello peter.

I am a customer of Capitec Bank. I am able to type this complaint and was able to contact the customer service centre which I would assume means that I have a few brain cells firing on all cylinders in the skull. It, therefore, boggles the mind that I should be treated like an idiot by the customer care representative of Capitec Bank. I am trying to ask why I am unable to purchase prepaid electricity. I explain that I have a husband who is dependent on machines to live and such machines require electricity. Instead of some concern or a "I'm sorry" I get. This is Capitec we are a banking institution and do not supply electricity. Duh I know that. I am not trying to buy electricity from you - I am trying to ask why I can't use my banking app to purchase electricity. Again the same refrain This is Capitec we are a banking institution and do not supply electricity. Stop treating us like idiots. It is these idiots that bank with you and ergo make it possible for you to have a job. Some empathy, some humanity, some friendliness would go a damn far way. Do not respond to this because nothing you say would change my mind of some hapless woman who clearly does not want to be where she is.

Hi there,

I made a payment to a wrong absa account and went to my local capitec branch to help reverse this money, the consultant that helped me informed me that they will deduct a Recall fee of R120 (witch already went of my account) to process the quarry, this was more or less 2 weeks ago now, I still have not received my money back, other banks do not hesitate to help you with this type of situation, why can Capitec not help with this then ?

When is Capitec paying my money back into my account and honouring their word to their Clients ?

Good day,

Chané Smith ID [protected]) Contact number [protected] Address 43 Pienaar Street Manor Height Despatch which changes to 120 Boom Street Despatch.

I am very disgusted about the service I have been receiving since I took out a loan from Capitec Bank. Every month the call center phones me to ask when I will make a payment and every month I must tell the same story, The debit order is set to go off on the 24th of each month. Every time they tell me I am in areas. How is that possible?

I am sick and tired of this. Please resolve the problem immediately.

Kind Regards
Chané

I am a client for more than 4 years now. I have obtained loans from you value at R45 000. It was deducted every month from my salary without one problem at all. I recently also applied for credit but it was refused due to my credit score. I understand the bank has a certain policy but my profile was all the last 7 years the same. Why did I qualify 2 years ago but not now? I have really the urgent need for credit now but now suddenly after R45 000 later, Capitec can't assist me?

Dear Sir/Madam

On 4/9/2017 I transferred the sum of GBP 248.40 from the UK into the Capitec bank account of my mother, Vilma Louise Feneysey, via Rational FX (Barclays pls) - see attached email below. It is now 20/9/2017 and she is still struggling to have these funds placed into her account by Capitec.

My mother's account details are:

Mrs Vilma Louise Feneysey
Capitol Bank, Barberton
Acc no: [protected]
Branch code: 470010
SWIFT/BIC code: CABLZAJJ

On Monday, 8/9/2017, Capitecbank sent my mother a Whatsapp message informing her to contact them urgently regarding this international transfer. She then proceeded to call Capitec on the telephone numbers provided but received no reply after many repeated calls that week. The following Monday, 15/9/2017 she went into her local Capitec branch in Barberton to ask for their help. Again it took several attempts to receive a response, which was that my mother should email Capitec in connection with the matter.

My mother is 83 years old and does not use email or the internet. I am very disappointed with such poor service, particularly when it places the elderly at such a disadvantage. As a Capitec client, I had higher expectations, given the recent media coverage of it being "the best bank in the world".

I look forward to a speedy and positive response from Capitec.

Sincerely

Linda Feneysey

---------- Forwarded message ----------
From: RationalFX
Date: Fri, Sep 8, 2017 at 12:24 AM
Subject: Your transaction is now closed [A633079]
To: [protected]@gmail.com

RationalFx
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Client No: F783440

Dear Linda,
Your transaction [A633079] is now closed.

This means that we have sent the agreed amount to your recipient's bank and the money should now be available to the recipient.

Thank you for choosing RationalFX.
The RationalFX Team

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I visited your Mayibuye Capitec Branch to request a loan. When I got there one of your consultants Moyahabo assisted me...I already had an existing loan with Capitec, infact I had loans previously with Capitec. The person who initiated my loan based on the company that I worked for did not put the company's full name which had always reflected as such. I did not have a problem adding the full name but the problem was she then rescheduled my salary date which was always on the 25th to the 25th which hindered the whole process. I was told to return after 24 hours and I still experienced the same problem. What was worse is she also cancelled my credit facility which I only had for 2 months and did not advise why, when she gave me papers to sign I asked what it was I was signing for and she said the company name change, which was infact a complete lie. I had to re-apply for the credit facility and which will now cost more - initiation costs ect. Her action has left me really worried about my future with Capitec .

I strongly feel that Moyahabo is very incompetent, she just doesn't know what she is doing and had no sense of urgency for her customer & definitely does not take her customers serious as she had no decency to even apologize for all the mishaps she caused but her colleagues at other branches apologized on her behalf.