Capitec falsely accuses customer of being in arrears.

I am slowly getting fed up with Capitec. If this continues again I am moving my account to another bank. Really! Last month you decided to tak my debit orders earlier than usual. Who knows why! Then you notified me I was in arrears. Seems the same happened this month. Who gives you the right to take debit orders before my pay is apid into my account? My agreement with you is the 22nd of each month! Are you getting so greedy for money that you start deducting early now? From accounts that have no money yet?

According to my colleagues I am not the only one.

I got this message via e-mail from you today:

Your account is overdue ARREARS NOTICE: In spite of numerous attempts, we are unable to make telephonic contact with you. Please note that the arrear amount of 3247.21 on your credit account number *** remains unpaid and you are requested to make an urgent payment to correct this.

Failing to comply with this request will incur additional charges and may impact your credit record, which may prevent you from obtaining financial products in future.

We value your business, and would like for you to resolve this issue as quickly as possible.

Speak to an agent now to help you find the best arrears treatment option. Ways to get in touch

Last month I questioned the same here on hello Peter. No answers given just got an email the ticket was resolved. I contacted the Capitec branch and they said I need bot worry. It was the banks mistake deducting early.

I wonder who pays for the admin fees of the early debit orders that was returned unpaid because there's no money in my account? Certainly not you!

You claim in your threatening letter that O am arrears by R3247.21.

This is one full payment on my loan. I want to know from you TODAY and NOW, here on hello Peter where everyone else also can see, exactly when and how I got in arrears by one full monthly payment! Don't tell me someone will contact me, explain right here!

The mail claimed they couldn't reach me by phone after several times. Why if they can't reach me they send am email the same time?

Yes! The last few days since Thursday I was unavailable as I was ****** inside my house of several items including my wallet and two cellphones. And I could get MTN to do a sim swap as they need three numbers I dialed last which is impossible for me as my contacts numbers are on the phone and not in my head! . So yes I was unreachable since Thursday. I got a new number now.

So. Since when am I in arrears on my loan account Capitec? Didn't I pay last month?

According to my bank account you did deduct the full payment last month. Was I in arrears before that maybe? Why didn't you then contact me in October? Or whenever? As I can't see any month on my bank statements the I didn't pay a full payment!

Can't be for this month, because payday is stil on its way only on a couple of days time on the 22nd. (As usual).

So what exactly is going on here Capitec???

I want to know exactly why I got this threatening email (as was the case last month also), and exactly explained when and how I am over R3000 in arrears all of a sudden and WHY!

This can't be tolerated anymore. Never had this poor and *********** service from Capitec before. Goes to show Capitec in now also going down the drain like some other banks. The very reason I moved to Capitec is now the same as other banks. Incompetence.

You say make an urgent payment to rectify this! Ha! That will be the day. Unless you can tell me exactly when I did not pay one month!

Now you are messing with my credit buro profile as well! You will be held responsible for any bad reflection on my credit report! And I will fight ot in the highest courts. This is defamation of character!

"My account REMAINS unpaid! As if I ever before didn't pay my account! Bull Dust!

I think I'm now finished with Capitec!

And surely believe me: Ivery prospective Capitec customer I meet will hear this as I will warn them against this.

This is extremely bad banking practice.

I want a full explanation!!!!!! Today!