Capitec blocked my account for no reason while am dying from covid !!!!!

My experience with Capitec has been a horrible one .

Firstly i am supposed to be at home isolating because i tested positive for covid two weeks ago and have not been feeling well but today i found myself leaving the comfort of my house going into the bank to fight and dispute a matter which i found very unfair to me as a Capitec client . Worse i was even expected to run around and go to police stations to make an affidavit over a matter again i had nothing to do with

So this morning the 20th of July i woke up to a message that Capitec blocked my account . It actually read " your credit card has been stopped " It puzzled me a lot that i took my phone and called into the call centre to follow up on this weird activity . While holding on the line i logged into my App and indeed something did not look right and i could no longer have access to my savings account. It only showed my fixed saving account and funeral insurance i have with them . At first i spoke to a consultant who could not help me and put me on hold for 20 minutes until my airtime ran out while she was looking for a manager to assist me .The i called in again and the second consultant informed me that my account was blocked because it was reported for ***** and they cant help me with any info i must go to the branch . To cut long story short i took a risk and went into the nearest branch for help because i needed to use my account to buy medication . Especially because my 8 month old daughter was ill and i had taken her to mediclinic sandton and required to pay cash .

When i got to the branch the consultants tried to help which i feel it was inadequate because half of the time i had to probe further and ask questions that made her put effort into my dispute .At first she didnt even want to provide me with info as to what happened and what exactly i need to go to the police station for. She told me my account was reported by someone as ********** activities were identified on it . So i simply asked them to meet me halfway and atleast provide me with details of those transactions because i recall my account activities and i have never been involved in any ***** . After fighting the consultant called forensic or ***** department and asked them for atleast a bank statement and the transaction in question and the date so that i can go to police and make an affidavit to say i dont know anything and all money received was legit and meant for me . To mu shock my account was blocked and frozen oven one deposit made into my account of R500 on the 14th of March by a lady known by me . When i called her she said she was ****** on her account and so she had forgotten she sent me money and made a mistake . Imagine !!! So i was now forced to even remember a transaction of March which is so little

My anger now comes that as much as i respect the processes and procedures that are followed by the bank i also feel they were unfair to me as their client for almost 20 years . I bank in over R660k per annum and have been a good client to them . Paid up a loan i had with them and all my account are up to date . Surely they could have had a process of atleast informing me as their client as well that someone has reported a ********** activity on my account and atleast provide me with details to follow up . In simple terms this means anyone can send us money via capitec then call in report it as ***** . How am i protect if they just going to block my account and nt even give a chance to hear my side of the story . The assisted the lady who reported her suspicions as their capitec client but failed to consider me as well . The lady said she made a mistake but that left me with no funds for medication while am recovering from covid with my entire family sick .

I also put the staff at the branch at risk by going in - poor consultants because i had no choice i needed to have the matter investigated and explained to since the call centre agent was *********** !!!!!! to now as writting my account is still blocked i had to borrow money from my neighbor because no one can even send me money on my capitec account . I could not get to the police station to make an affidavit because its far from me , and why must a suffer and strruggle when i have done nothing wrong . Travel to certify documents with a painful chest and shortness of breath leaving my sick kids in the house ??? Alone unattended with a neighbor ...Wow! Am getting paid on friday and it means won't receive my salary so whats going to happen to my debits for the car, medical aid , life cover and funeral covers in these covid times everyone dying daily . Insurances will use that as an excuse not to pay . Then what about my credit rating record will it not affected negatively yet am trying so hard to kep a clean record to buy a house .

Am truly heartbroken by these , you could have held the R500 in question then informed me of your investigation procedure and still allowed my account to function as normal . Once the investigation was concluded you would then release it not to stop my account putting me at risk while am fighting for my life . I will move my savings and account somewhere else you have lost me as client of almost 20 years . And i want my account unblocked before my pay day on friday and am not leaving the house to go to any police station and not a ********* and have never been . The lady who called in should be the one going to police stations and rectifying this matter ASAP and next time gets her fact staright before ruining people lives . Imagine if i was struck on the road or in another province. She knows me well and sent the money for my mother .