MM
Maria M

1 reviews | Active since Feb 2020

29 Nov 2023, 08:06

Poor customer service

I have a loan with this company, been paying well by debit order with no hussle. Surprisingly this month of November 2023, they started tracking my account before my salary date which cause charges to my personal bank account. I kept quiet about and let them run the debit order. After the 23rd November 2023 I noted on my transaction history they double debited my bank account. I call them and asked so humbly, I also questioned the debit order that ran before my due date. The guy explained that it is their process to run a debit order during that time as I agreed to the t&c of the contract, fair enough I understood. I then asked about the double debit, the guy responded by saying that he does not see double payments but 1 and he requested I send an email with the statement same was sent on 24 November 2023 to their email address ***. Monday afternoon (27 November 2023), I call making follow up. I was told that they are still busy with investigation, I then asked of the turnaround time. The lady said latest will be Friday (1 December 2023) to get feedback. Mind you I have plans for this money and I decided to contact my bank to ask if the payments were indeed successfully debited, my bank confirmed yes and I then requested for one reversal of that payment. I called yesterday Tuesday (28 November 2023) in the morning as I received an SMS that I'm in arrears. The lady advised me that they are unable to see the email I sent and I had to re-forward the email. She also comfirmed that she sees on the statement I attached that I was double debited however it also shows I am in arrears. I advised the lady that I had reversed one payment and will not be requiring them to resolve my concern. The lady said that she will refer this to the finance department so they can credit the account with that one payment and that will settle everything. Yhoo guess what, was getting calls left and right yesterday telling me about the arrears on the loan. What ****es me off is the last guy, I am not sure whether is Simphiwe/Sphiwe who was so rude and arrogant even when I tried explain the situation to him. He was forcing me to listen to him and agree to what he said. I became rude myself, I told him that he can't just call me and dictate to me without hearing me out first. I hung up. I know my rights as a customer and will not allow any ill treatment from anyone. If I was wrong was going to make means of a payment arrangement but this guy just ruined my day. Your service sucks and you actually do not know how to treat customers fairly.

0
Replies (2)
Capfin
Capfin's reply29 Nov 2023, 08:23
Official
Good day 

Thank you for taking the time to inform us of your experience with our contact centre. We can assure you this is not standard practice and we will investigate the matter. 

Please allow us to investigate the matter and get back to you. 

Sincerely 

Capfin Customer Services
MM
Maria M's update01 Dec 2023, 13:45
Reviewer Update
Still dissatisfied regarding whole situation. I lodged a complaint, they responded very quickly however no resolution to date. I was sent an email stating that whatever proof I have sent them its not proof enough to enable them to resolve my matter but what is happening is that I keep on receiving non-stop phone calls reminding how I am in arrears. When I refer to the to my concern they do not give me a concrete feedback all they say is that they will follow up. After all the inconvenience they caused they refund me silently on 30th November 2023 as I received a notification on my banking app. I was so surprised that after making me a fool how could they not inform of the outcome so I at least know transpired. They think that they will do things silently and me as a customer will leave all to rest. I will not tolerate being taken for granted as this kind of situations are depressing. They think that they will run all over you how they want and we will keep quietly. I still demand an outcome of this concern and explain why you refunded me after you **** to me that you do not see double debit (I see you trying to hide under me). I am doing for other customers who have experienced this and for those new ones to know their right.