Capitec Bank keeps adjusting balance on my settled access facility account so that it appears to have outstanding amount for them to charge me fees and other charges

Capitec charging fees on settled access facility account by adding R0.20 balance I am writing about my Capitec access facility account. This facility remains open for me to use, and when there is no outstanding balance there should be no fees.

On 12 March 2026 I logged a complaint about the facility. On 13 March 2026 Capitec resolved it, gave me a complaint number, and I settled the full balance. Fees were supposed to stop at that point.

Weeks later Capitec processed another adjustment and an incorrect R0.20 balance appeared. Because there is now an amount outstanding, the account is attracting service fees and insurance charges again. I raised this with Seth on 13 April 2026 and with Tanya, Kone, and Kamu on 20 April 2026, but it is still not fixed.

Please immediately reverse the R0.20 balance and restore the account to a settled, zero-balance state as per 13 March 2026, before any further fees are charged.

Regards Innocent ----------------------------------------------------------------- This was a resolution on initial complaint:

Case Number: Case ***3 Confirmation of complaint closure. As discussed with you, our investigation into your complaint has been concluded. Kindly be advised that the access facility balance has been adjusted to zero.Also note when any credit product is settled the settlement amount will be higher than the outstanding balance as the interest and fees are calculated up until the day of settlement. The remaining balance after settlement was due to a system error. I want to take a moment to express my sincere appreciation for your patience during the investigation process. We value our relationship with you and are committed to maintaining your trust. This case will now be closed. If you are not completely satisfied with this outcome and want to escalate the matter further, you can do so by contacting the ombudsman, all details are below. Kind regards, Anreth Rassie Complaints Management Officer Capitec

-------------------------------------------------------------------- Following today's follow up on the 13 April 2026 enquiry, Capitec sent this response which makes things worse.

Good day INNOCENT NCENGWA your Access Facility enquiry was completed. Please note that your account had an advance of R68.80 and was charged a service fee of R69 therefore leaving the AF account with an outstanding amount of R0.20. For more information, contact Client Care on *** ***