Arrears Paid in Full – Capitec Debiting on Wrong Day and Ignoring Communication

I have now paid the arrears on my Capitec loan account in full, and proof of payment has been provided to the bank.

However, I feel it is important for other consumers to understand what led to this situation.

From the beginning, I clearly communicated my fixed monthly pay date. Despite this, Capitec repeatedly attempted to debit my account before my pay day. These premature debit attempts failed and triggered unsuccessful debit fees from my bank, meaning I incurred extra charges that I never agreed to.

I raised the matter through multiple channels:

• WhatsApp support • Email communication • A formal complaint

During these interactions I attempted to make reasonable arrangements and even indicated that I would make manual payments to resolve the situation. Unfortunately, my communications were either ignored or not properly addressed.

Despite my efforts to resolve the matter responsibly, the early debit attempts continued, causing further unnecessary bank charges.

Oluchi, their head of Customer Compalaints, who was directly involved in this matter, closed my complaint prematurely and without resolution, and I am placing this on record because the issue was repeatedly raised but not corrected.

I have now settled the arrears to regularise my account, but the experience has been extremely frustrating. Debiting accounts before an agreed pay date, while ignoring customer communication, places unnecessary financial pressure on clients and creates avoidable costs.

I hope Capitec reviews how these situations are handled so that other customers are not placed in the same position.

My arrears are now paid up, and I expect no further premature debit attempts going forward.