Capitec have no credibility and are ******* and *****

Update: After my initial review I decided to go straight to my nearest Capitec bank branch since calling the call centre didn't get me anywhere, I went on Sunday morning at 11am. The consultant who assisted me at the branch didn't come across as professional at all because when she called their customer care line she was laughing and giggling with a "Gary" on the other end of the line and I could hear references to "East London" so obviously their conversation was around my case and I found that to be highly inappropriate as I was sitting in front of her with a serious problem and it seemed that they were not taking it seriously. After that phone conversation I was promised that my money would definitely be refunded into my account within 30 min to an hour. I asked what I should do if it's not reflecting then but the consultant assured me it would reflect then without question...Well I checked after the hour and it wasn't. I kept checking the whole of Sunday and it still wasn't refunded. I only received the money yesterday AFTER my HelloPeter review had been seen and an incident number had been assigned to it. It's a shame that it took that much effort on my side to try and resolve a problem that started with Capitec in the first place. It's funny how Capitec went above and beyond to try to contact me afterwards to do damage control once I posted the review on this site. I have since spoke to Nazley of Capitec's complaint department and indicated that I will go ahead and close my account because the trust in Capitec's brand has been broken but I gave her some pointers on some areas of improvement so the next person doesn't have to experience what I went through.