JM
JJ M

1 reviews | Active since Jul 2011

20 Aug 2025, 12:59

Capitec dishonest - does not honour debit order dates.

Just a few minutes ago a deposit was made into my savings account. I requested this funds to be paid to my account because I jad urgent payments I have to pay today and promised to pay it promptly.

But...

As soon as this money was available in my account and I was busy doing the payment almost immediately my Capitec loan debit order was taken ********ly and *******ly and I am now stuck without the money I owe and promised to pay the other party and they are waiting for it.

My debit order date for the loan account as far as I am aware is always taken the day my salary is paid in. Thay should be the 21st of each month. I didn't authorize this deduction and my salary wasn't paid in yet.

I think this is breacing of contract from Capitec side. Making a big problem for me now.

I just checked my debit order mandates on the Capitec app and it clearly shows "debit order day - 21st of every month" today is not the 21st.

This is not the first time I've had problems with debit orders not honoured from your side as you can check in the account and complaint history. And every time I complained about this you promised it wouldn't happen again.

Well it did and it kept on being done.

As I never agreed to this deduction on this date, I see ot as braking of contract by Capitec bank which renders this agreement to nul value and O am definitely taking it up with the banking ombudsman and even higher if possible.

I would let this go.

An important transaction that jad to be don now is down the drain because of this amd I need to be compensated for the loss I will incur by not finalising the transaction.

Capitec can not be trusted.

0
Replies (2)
Capitec Bank
Capitec Bank's reply20 Aug 2025, 14:36
Official
Good day JJ 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
JM
JJ M's update21 Apr 2026, 18:20
Reviewer Update
And again yesterday the same thing happened. All went well after this complaint and today you are back to your old ways of breaching contract between us of the debit order deduction date.

Now my account shows im arrears after again your tried to debit me on the 20th. And its not a weekend or holiday.


Seriously how many times this is going to happen Capitec? I am thinking to seek legal advice and reporting this repeated problem to the banking ombud.

Please give me the contact details for your CEO, because this has to be reported to him also.