CN
CHRISTINE N
1 reviews | Active since Aug 2019
30 Dec 2021, 22:03
CAPITC BANK _ Ignored my query dated 23rd Dec 2021 regarding the unpaid deposit made on 16th Dec 2021___ Incident# ***9.
As per my complaint on #HELLOPETER_Incident# ***9 dated the 23rd December 2021...
I would like to understand why:-
My R1000 deposit made on 16th Dec 2021 from my FNB account not reflecting in my CAPITEC *** account, yet... as per attached payment notification sent to; *** & ***?
NB: Not referring to the R1000 internal Capitec Transfers.
2. Credit Card Account no: ********** - why was the R791.24 debit order not collected from my account? INSTEAD: My Straight Balance went from R-168.99 to a straight balance of R 777.38 Straight Balance and without consultation... you have scheduled a Payment by debit order: 15/01/2022 R 1 568.62 increasing my Current balance: R-28 464.08.
NB: You have violated my rights, by going back on the legal arrangement I made... to pay R791.24 for 48 MONTHS. I cannot afford to pay 1568.62 and I did not agree to it... so, please correct your error with immediate effect.
I need these issues attended to, urgently and I need the funds deposited and cleared in my account by the 31st December 2021...
Helpful (0)
Replies (6)0
Replies (6)
Capitec Bank's replyOfficial
31 Dec 2021, 08:00Good day Christine
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regards
Capitec Bank
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regards
Capitec Bank
Capitec Bank's reply31 Dec 2021, 08:00
Official
Good day Christine
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regards
Capitec Bank
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regards
Capitec Bank
CN
CHRISTINE N's updateReviewer Update
03 Jan 2022, 18:13Good day...
Thank you for your email, but you cannot close this matter because nothing has been answered or resolved.
I don't understand what you are saying simply because I made the arrangement for R791.24 FOR 48 MONTHS... and my straight balance was R-168.99... So when/why did it change to a straight balance of R 777.38?
That is my query... your response makes absolutely no sense to me and that is what bothers me with CAPITEC BANK... stop treating me like an idiot, like I don't know what I am saying and rather explain what I asked above?
And if any cash was paid, why was the balance not available... like it is suppose to be?
Can I also get clarity on the deposit of R1000, as per my query and as per the payment notification, which I attached to the email? You only seemed to have responded to the 2nd part of my query and ignored the 1st part of my query.
Can I get urgent clarity, please.
Regards
CHRISTINE
CN
CHRISTINE N's update03 Jan 2022, 18:13
Reviewer Update
Good day...
Thank you for your email, but you cannot close this matter because nothing has been answered or resolved.
I don't understand what you are saying simply because I made the arrangement for R791.24 FOR 48 MONTHS... and my straight balance was R-168.99... So when/why did it change to a straight balance of R 777.38?
That is my query... your response makes absolutely no sense to me and that is what bothers me with CAPITEC BANK... stop treating me like an idiot, like I don't know what I am saying and rather explain what I asked above?
And if any cash was paid, why was the balance not available... like it is suppose to be?
Can I also get clarity on the deposit of R1000, as per my query and as per the payment notification, which I attached to the email? You only seemed to have responded to the 2nd part of my query and ignored the 1st part of my query.
Can I get urgent clarity, please.
Regards
CHRISTINE
CN
CHRISTINE N's updateReviewer Update
05 Jan 2022, 04:24CAPITEC BANK... I have received no response since your last email dated January 3, 2022. Why are you not attending to my matter? Should I escalate my complaint?
While you are at it it... please explain why online statement says that I added the R791.24 BUDGET facility on the 21/12/2021 | 21/12/2021 | Budget Restructure Bg Sys Cr (R791.24) | 791.24 | | 0.00... when I know for a fact that I did it in October 2021, already (R 27 686.70Original amount:R 27 821.71Monthly instalment:R 791.24Interest rate:15.5%Remaining term:47 monthsOriginal term:48 monthsDate added:22/10/2021)…
Is this an attempt to falsify my records to cover your errors? If I had done that I would be charged with *****... so what action should I take against CAPITEC BANK?
And can you please make my R1000 available and can you sort this mess out, please. I need my cash for school supplies...
While you are at it it... please explain why online statement says that I added the R791.24 BUDGET facility on the 21/12/2021 | 21/12/2021 | Budget Restructure Bg Sys Cr (R791.24) | 791.24 | | 0.00... when I know for a fact that I did it in October 2021, already (R 27 686.70Original amount:R 27 821.71Monthly instalment:R 791.24Interest rate:15.5%Remaining term:47 monthsOriginal term:48 monthsDate added:22/10/2021)…
Is this an attempt to falsify my records to cover your errors? If I had done that I would be charged with *****... so what action should I take against CAPITEC BANK?
And can you please make my R1000 available and can you sort this mess out, please. I need my cash for school supplies...
CN
CHRISTINE N's update05 Jan 2022, 04:24
Reviewer Update
CAPITEC BANK... I have received no response since your last email dated January 3, 2022. Why are you not attending to my matter? Should I escalate my complaint?
While you are at it it... please explain why online statement says that I added the R791.24 BUDGET facility on the 21/12/2021 | 21/12/2021 | Budget Restructure Bg Sys Cr (R791.24) | 791.24 | | 0.00... when I know for a fact that I did it in October 2021, already (R 27 686.70Original amount:R 27 821.71Monthly instalment:R 791.24Interest rate:15.5%Remaining term:47 monthsOriginal term:48 monthsDate added:22/10/2021)…
Is this an attempt to falsify my records to cover your errors? If I had done that I would be charged with *****... so what action should I take against CAPITEC BANK?
And can you please make my R1000 available and can you sort this mess out, please. I need my cash for school supplies...
While you are at it it... please explain why online statement says that I added the R791.24 BUDGET facility on the 21/12/2021 | 21/12/2021 | Budget Restructure Bg Sys Cr (R791.24) | 791.24 | | 0.00... when I know for a fact that I did it in October 2021, already (R 27 686.70Original amount:R 27 821.71Monthly instalment:R 791.24Interest rate:15.5%Remaining term:47 monthsOriginal term:48 monthsDate added:22/10/2021)…
Is this an attempt to falsify my records to cover your errors? If I had done that I would be charged with *****... so what action should I take against CAPITEC BANK?
And can you please make my R1000 available and can you sort this mess out, please. I need my cash for school supplies...
CN
CHRISTINE N's updateReviewer Update
05 Jan 2022, 04:39CAPITEC BANK... I have received no response since your last email dated January 3, 2022. Why are you not attending to my matter? Should I escalate my complaint?
While you are at it... please explain why online statement says that I added the R791.24 BUDGET facility on the 21/12/2021 | 21/12/2021 | Budget Restructure Bg Sys Cr (R791.24) | 791.24 | | 0.00... when I know for a fact that I did it in October 2021, already (R 27 686.70Original amount:R 27 821.71Monthly instalment:R 791.24Interest rate:15.5%Remaining term:47 monthsOriginal term:48 monthsDate added:22/10/2021)… I have screenshots, as my proof and my statements
Is this an attempt to falsify my records to cover your errors? If I had done that, I would be charged with *****... so, what action should I take against CAPITEC BANK?
And can you please make my R1000 available (attached proof of payment again) and PLEASE can you sort this mess out, please. I need my cash for school supplies...
Not a nice or fair way to start the year... honestly. It is causing me unnecessary anxiety...
Regards
Christine
Christine
CN
CHRISTINE N's update05 Jan 2022, 04:39
Reviewer Update
CAPITEC BANK... I have received no response since your last email dated January 3, 2022. Why are you not attending to my matter? Should I escalate my complaint?
While you are at it... please explain why online statement says that I added the R791.24 BUDGET facility on the 21/12/2021 | 21/12/2021 | Budget Restructure Bg Sys Cr (R791.24) | 791.24 | | 0.00... when I know for a fact that I did it in October 2021, already (R 27 686.70Original amount:R 27 821.71Monthly instalment:R 791.24Interest rate:15.5%Remaining term:47 monthsOriginal term:48 monthsDate added:22/10/2021)… I have screenshots, as my proof and my statements
Is this an attempt to falsify my records to cover your errors? If I had done that, I would be charged with *****... so, what action should I take against CAPITEC BANK?
And can you please make my R1000 available (attached proof of payment again) and PLEASE can you sort this mess out, please. I need my cash for school supplies...
Not a nice or fair way to start the year... honestly. It is causing me unnecessary anxiety...
Regards
Christine
Christine
CN
CHRISTINE N's updateReviewer Update
07 Jan 2022, 12:30 Afternoon Tarryn
Please explain this: "Due to you exceeding your credit limit with R864.08, the payment we have received of R 345 is insufficient to cover the over spent amount."
I was clear that you did not collect my installment on the 15th December 2021 through debit and I asked why... and you acknowledged that you didn't in your previous email emails and you mentioned that a payment R864.08 was received. Now you say that I exceeded my credit limit by R864.08 and only made a payment of R345.
Every time I ask for answers, you provide different responses, which leave me more perplexed and do not make sense. I am not satisfied with your response and request further clarification...
On the issue of the CAPITEC BANK Payment Notification you... several things do not make sense to me... From: *** (account unknown to me)
I was clear that you did not collect my installment on the 15th December 2021 through debit and I asked why... and you acknowledged that you didn't in your previous email emails and you mentioned that a payment R864.08 was received. Now you say that I exceeded my credit limit by R864.08 and only made a payment of R345.
Every time I ask for answers, you provide different responses, which leave me more perplexed and do not make sense. I am not satisfied with your response and request further clarification...
On the issue of the CAPITEC BANK Payment Notification you... several things do not make sense to me... From: *** (account unknown to me)
- Reference: CAPITEC *** (is FNB's reference not a CAPITEC reference, which is usually a 6 digit number)
- Long Description: CAPITEC *** PAYMENT *** (is not consistent with standard CAPITEC Long Description e.g. RTC 05XV3DZT1H CAPITEC ***)
- Service: SAME DAY (Not true. I paid it on the 16th December 2021 and did not ask for special clearance and FNB Statement can confirm that & if it was same day, it would have been on 16th December 2021)
4. Payment ID: ***35 (bears no reference)
5. *** (this number is not in service)
6. *** (why is FNB using a Cape Town number when all my correspondence with FNB is Johannesburg based)
Payment Notification: CAPITEC BANK sent sms notifications for all my deposits from my FNB Account number, except for the R1000 and on the 18th December 2021... I went to the CAPITEC BANK Woodmead branch because I had issues with my increasing my payment limits and I then made the following payment and I enquired about my FNB R1000 deposit and they assured me that it was not processed, yet. I then proceeded to transfer R1000 and withdraw R1000. 18/12/2021
Internet Banking Payment Vw Finance | 5 714.00
From account details | | | To account details |
From my account: | *** | | My beneficiary name: | VW FINANCE
Description: | VW FINANCE | | Current account: | ***
Posting date: | 18/12/2021 | | Transaction date: | 18/12/2021
Type: | Payment | | Capitec Reference: | 332986
Notification sent to: | *** | | Fee: | 1.00
Internet Banking Payment Vw Finance | 5 714.00
From account details | | | To account details |
From my account: | *** | | My beneficiary name: | VW FINANCE
Description: | VW FINANCE | | Current account: | ***
Posting date: | 18/12/2021 | | Transaction date: | 18/12/2021
Type: | Payment | | Capitec Reference: | 332986
Notification sent to: | *** | | Fee: | 1.00
Transaction Details
18/12/2021 | Transfer from *** Ncr Woodmead 2nd | 1 000.00
Transaction date: | 18/12/2021 | | Posting date: | 18/12/2021
Long description: | NCR Woodmead 2nd Gauteng GTZA | | Status: | Processed
Type: | Transfer | | Capitec reference: | 913241ClosePlease explain, Tarryn... because I am ****** confused...
Regards
CHRISTINE NXUMALO
Transaction date: | 18/12/2021 | | Posting date: | 18/12/2021
Long description: | NCR Woodmead 2nd Gauteng GTZA | | Status: | Processed
Type: | Transfer | | Capitec reference: | 913241ClosePlease explain, Tarryn... because I am ****** confused...
Regards
CHRISTINE NXUMALO
CN
CHRISTINE N's update07 Jan 2022, 12:30
Reviewer Update
Afternoon Tarryn
Please explain this: "Due to you exceeding your credit limit with R864.08, the payment we have received of R 345 is insufficient to cover the over spent amount."
I was clear that you did not collect my installment on the 15th December 2021 through debit and I asked why... and you acknowledged that you didn't in your previous email emails and you mentioned that a payment R864.08 was received. Now you say that I exceeded my credit limit by R864.08 and only made a payment of R345.
Every time I ask for answers, you provide different responses, which leave me more perplexed and do not make sense. I am not satisfied with your response and request further clarification...
On the issue of the CAPITEC BANK Payment Notification you... several things do not make sense to me... From: *** (account unknown to me)
I was clear that you did not collect my installment on the 15th December 2021 through debit and I asked why... and you acknowledged that you didn't in your previous email emails and you mentioned that a payment R864.08 was received. Now you say that I exceeded my credit limit by R864.08 and only made a payment of R345.
Every time I ask for answers, you provide different responses, which leave me more perplexed and do not make sense. I am not satisfied with your response and request further clarification...
On the issue of the CAPITEC BANK Payment Notification you... several things do not make sense to me... From: *** (account unknown to me)
- Reference: CAPITEC *** (is FNB's reference not a CAPITEC reference, which is usually a 6 digit number)
- Long Description: CAPITEC *** PAYMENT *** (is not consistent with standard CAPITEC Long Description e.g. RTC 05XV3DZT1H CAPITEC ***)
- Service: SAME DAY (Not true. I paid it on the 16th December 2021 and did not ask for special clearance and FNB Statement can confirm that & if it was same day, it would have been on 16th December 2021)
4. Payment ID: ***35 (bears no reference)
5. *** (this number is not in service)
6. *** (why is FNB using a Cape Town number when all my correspondence with FNB is Johannesburg based)
Payment Notification: CAPITEC BANK sent sms notifications for all my deposits from my FNB Account number, except for the R1000 and on the 18th December 2021... I went to the CAPITEC BANK Woodmead branch because I had issues with my increasing my payment limits and I then made the following payment and I enquired about my FNB R1000 deposit and they assured me that it was not processed, yet. I then proceeded to transfer R1000 and withdraw R1000. 18/12/2021
Internet Banking Payment Vw Finance | 5 714.00
From account details | | | To account details |
From my account: | *** | | My beneficiary name: | VW FINANCE
Description: | VW FINANCE | | Current account: | ***
Posting date: | 18/12/2021 | | Transaction date: | 18/12/2021
Type: | Payment | | Capitec Reference: | 332986
Notification sent to: | *** | | Fee: | 1.00
Internet Banking Payment Vw Finance | 5 714.00
From account details | | | To account details |
From my account: | *** | | My beneficiary name: | VW FINANCE
Description: | VW FINANCE | | Current account: | ***
Posting date: | 18/12/2021 | | Transaction date: | 18/12/2021
Type: | Payment | | Capitec Reference: | 332986
Notification sent to: | *** | | Fee: | 1.00
Transaction Details
18/12/2021 | Transfer from *** Ncr Woodmead 2nd | 1 000.00
Transaction date: | 18/12/2021 | | Posting date: | 18/12/2021
Long description: | NCR Woodmead 2nd Gauteng GTZA | | Status: | Processed
Type: | Transfer | | Capitec reference: | 913241ClosePlease explain, Tarryn... because I am ****** confused...
Regards
CHRISTINE NXUMALO
Transaction date: | 18/12/2021 | | Posting date: | 18/12/2021
Long description: | NCR Woodmead 2nd Gauteng GTZA | | Status: | Processed
Type: | Transfer | | Capitec reference: | 913241ClosePlease explain, Tarryn... because I am ****** confused...
Regards
CHRISTINE NXUMALO
CN
When I queried your response again... your response today, 9:29 AM (4 hours ago)... "I have not mentioned on any email that R 864.08 was received as a payment as we did not receive this amount from you."
So, what exactly are you saying, Tarryn?
CHRISTINE N's updateReviewer Update
10 Jan 2022, 14:25Thank you for your response.
But you cannot say one thing and change every time you are questioned and then think it is okay...
MY INITIAL QUERY: I was clear there was no collection and my question was why did CAPITEC BANK not collect my installment because it violated my right and the arrangement I made for the payment of my credit card account forcing me to pay more. I also asked why my straight balance was R-168.99... So why and when did it change to a straight balance of R 777.38? Had it been me... not adhering to the arrangement, I would have been in trouble and had I provided the false info, it would have been treated as *****... and I would have been charged, as such.
In your email of Jan 3, 2022, 5:25PM (7days ago)... you attached the following screenshot and said "The reason why there was no collection is because there were transfers into the credit card after the statement date and this is seen as payments."
Screenshot from CAPITEC BANK... sent to me on the 3rd Jan 2022
When I queried your response, you then responded with "Due to you exceeding your credit limit with R864.08, the payment we have received of R 345 is insufficient to cover the over spent amount." ... in the email of January 5, 2022, 2:04 PM (5 days ago)
When I queried your response again... your response today, 9:29 AM (4 hours ago)... "I have not mentioned on any email that R 864.08 was received as a payment as we did not receive this amount from you."
So, what exactly are you saying, Tarryn?
On the issue of the R1000 deposit from FNB... it was done successfully, however the payment notification you provided from CAPITEC BANK is all false... which I believe amounts to *****.
I am now reporting this as ***** and all your responses and the payment notification will be submitted as evidence, unless this matter is addressed correctly and with urgency.
Regards
Christine
CN
CHRISTINE N's update10 Jan 2022, 14:25
Reviewer Update
Thank you for your response.
But you cannot say one thing and change every time you are questioned and then think it is okay...
MY INITIAL QUERY: I was clear there was no collection and my question was why did CAPITEC BANK not collect my installment because it violated my right and the arrangement I made for the payment of my credit card account forcing me to pay more. I also asked why my straight balance was R-168.99... So why and when did it change to a straight balance of R 777.38? Had it been me... not adhering to the arrangement, I would have been in trouble and had I provided the false info, it would have been treated as *****... and I would have been charged, as such.
In your email of Jan 3, 2022, 5:25PM (7days ago)... you attached the following screenshot and said "The reason why there was no collection is because there were transfers into the credit card after the statement date and this is seen as payments."
Screenshot from CAPITEC BANK... sent to me on the 3rd Jan 2022
When I queried your response, you then responded with "Due to you exceeding your credit limit with R864.08, the payment we have received of R 345 is insufficient to cover the over spent amount." ... in the email of January 5, 2022, 2:04 PM (5 days ago)
When I queried your response again... your response today, 9:29 AM (4 hours ago)... "I have not mentioned on any email that R 864.08 was received as a payment as we did not receive this amount from you."
So, what exactly are you saying, Tarryn?
On the issue of the R1000 deposit from FNB... it was done successfully, however the payment notification you provided from CAPITEC BANK is all false... which I believe amounts to *****.
I am now reporting this as ***** and all your responses and the payment notification will be submitted as evidence, unless this matter is addressed correctly and with urgency.
Regards
Christine