Bad attitude from *********** bank teller

Short version: I was patronized by a dismissive teller with a temper and told that there are no terms and conditions regarding transfers and deposits.

Full story: I had difficulties with someone who owes me (personal agreement) and part of the problem is that he promised to pay me in small installments of R200. He then sent R80 but I received 2 Capitec "money in" SMS notifications and I assumed that he sent a total of R160. Almost 24 hours later, I received a "money in correction" SMS and R80 was immediately deducted from my account.

Knowing the person, I thought it is possible that he is ******** me by maybe sending the money and cancelling the transfer, so I went to the branch (in Bronkhorstspruit) and spoke to a service consultant named Martha Moganedi (around 12:50 on the 8th of September). All I wanted was to find out if it is possible to cancel a transfer after the money has been successfully deposited into the recipient account. Martha seemed to have had a bad day and willing to let it affect me, she then laughed and started outlining that I am being petty for enquiring about R80, a small amount of money.

I not only felt belittled, but also patronized. After 10 minutes of cycling between patronizing me and dismissing my enquiry, she then starts telling me that money transferred into my account isn't mine and that I cannot complain about what the sender decides to do with their money, even if it's already in my account. Failing to understand her because she kept cutting me short in my explanation, I asked her to print out the terms and conditions (especially the parts covering tranfers and deposits), she laughed loudly and literally told me that I am becoming a problem to her unnecessarily.

She told me that I should stay away from the bank if I have petty problems that come from personal issues. She called the main office, and from what I was hearing, failed to explain to the main office that I am asking for the terms and conditions, she just dwelled on that I have issues with someone I don't trust and that she told about money recall. After hanging up, she did print the terms and conditions (accessed by increasing my temporary limits) and she continued to outline that R80 isn't money to cause complain about.

The whole experience took almost 30 minutes, which I felt would not have been the case if had spoken to any of the tellers I had previously consulted. And by the way; during the 20 minutes when she refused me the terms and conditions, I mentioned to her that it is ******* to not avail the rules to me (as the consumer protection act states), she seemed to be triggered by me saying that. It is as if she not only discriminates against the poor clients like me but she also knows little to nothing about Banking.