Appalling poor service and contract break Capitec

I know I am probably wasting my time here. Last month I also laid a complaint of the same kind and Capitec dis not even reply or gave any feedback. My agreed debit order date has been always the 22nd. And the money for my loan account was always deducted on the day I got paid. Until last month. The 22 was on a Tuesday. But Capitec took money out of my Capitec savings account on the 18th!! Without my consent! Unexpected. I was taking someone out for supper on the 18th just to find out the money in my savings account disappeared! The debit order was for the 22d from Standard bank via debit order The full amount was not even taken. Just everything I had in my savings. How embarrassing when you had money in the morning that was just taken and there we could not pay our meal! Only to find out you just took it without reason. Then on Mondy the 21 they deducted the whole amount now from Standard. But the debit date was supposed to be 22nd! Then this month AGAIN you deducted on the 21 from Standard ban****!! Luckily there was enough money as I only get paid on the 22nd!! That is why I HATE debit orders because banks don't honour it and break the agreed contract.

I was so disgusted I borrowed money just to close this loan account at Capitec because of this. And two months ago I was thinking of moving my current account there! That's not all! I went to the branch to ask what is my settlement amount on the loan. I was told at Capitec there is no settlement you pay the balance you see. I said I just settled my loan at MFC and the balance was R90 000 but I paid only R74000. Also at direct axis I got a lot less to settle than what the balance was. I was told that that is not possible. Nowhere do you pay less than the balance on early settlement. What uninformed bank clerks! Well I was told to pay and transfer the money from my app. But not to pay everything but leave 70c or something. Why? Seems thy did not want me to close the loan account for some reason. Then I refused and demanded to close the account. Then they told me to pay the balance as shown on the app. So I did. The exact outstanding amount! When paid it now showed I am owing another R22! I was furious! What was this now. The bank clerk told me it's just R22 just pay it. I demanded to know where this R22 comes from now. He told me I must have paid over the wrong amount and missed the R 22!??? Which I did not and I showed him the exact amount I paid!!! They could not explain and because I urgently needed a paid up letter I had to pay another R22 by now the clerk told me is interest!!?What! Interest on an up to dat account being fully settled and interest now added after settling my account!? What a joke and a circus! I wil not recommended anyone and my plans to move everything to Capitec has halted. Can you explain all this ?