Capi******! Capi*******! Capi*****!

This is my second complaint about Capitec Bank..... in a space of less than a month.

A few weeks ago I wrote a complaint about my dissatisfaction with Capitec relating to the loan I have with them. Our "financial relationship" wasn't smooth from the start and still very rocky.

I have been in communication with some of their staff, of which my last conversation relating to the 1st complaint was with a Natasha who reassured me that my account would be deducted on the last day of the month and that I won't be penalized for arrears or late payment fees for January as the problem with the installment being late was not my fault.

Now, with the debit order of end February 2020, I was very surprise to see that my account was debited with more than the agreed installment of R5905.17. They deducted R5952.84 (an extra R47. 67). When I called Capitec, I spoke to a Lerato who advised me that the extra amount was for the arrears from January. I told her about my conversation with Natasha and Natasha's reassurance that I wouldn't be penalized for any late fees or arrears. She said she will escalate the matter and that I would get feedback with 48 hours. It's been a bit more than 48 hours now, hence I am resorting to Hellopeter. i ask again, why was my external account debited with more than the agreed installment whereas one of your supervisors or managers or advised me I wouldn't be penalised?

Also I decided to look at my statements; savings account and my loan, and I noticed some irregularities with some unauthorized transfers from one account to the other. On the 31 January Capitec transferred R28.85 from my savings account to the loan account and again R48.20 on the 06 February. All of this was done without my authorisation or permission. What were the transfers for and why was I not informed? I believe this is *****.

I am really getting annoyed with the service I am receiving from Capitec.... It seems as though it's a never ending story. Capitec is messing with my accounts and my finances. What they are doing is theft maarn. The conduct of Capitec is ********* and very wrong. They are ************ly ******ing funds from their customers. Capitec is all about enriching themselves, leaving their customers poor. Such conduct needs to be investigated and reported to the ombudsman.

Have some principles! I want my money - R124.72 to be exact.