Capitec is very deceiving when it comes to funeral cover payouts

I have had a problem with this policy before and how capitec never sent the sms to inform me of the grace 15 day period before it lapsed.I already took that to the ombudsman.The policy started 19 June 2025 and lapsed.But I was called and told to reinstate within 2 months which I did 29 October 2025

I am very disappointed in how thos policy lapsed or was cancelled without informing me.I do not even see the 15 days period to catch up this policy.No sms no email.After all the other payments made.

I will cancel all my other active policies with this bank because this is very disappointing.I dont want to do business with such unreliable dishonest banks.I have been with capitec Bank for years but i can see why people just use them for small things.Money disappears and when you go in the branch they have no answers.Thats why i dont put my salary in this bank.I will never put big amounts of money in Capitec.They are good for small things and cash sends thats it.

Please send me forms so that i can cancel the others as well.I cannot be paying such a ************* funeral cover

This was my verg first complaint

To the ombudsman
Complaint Against Capitec Bank

Please send me a form to lay a formal complaint against Capitec Bank with the Ombudsman

I am very disappointed in how this policy lapsed or was cancelled without informing me.I do not even see the 15 days period to catch up this policy.No sms no email.After all the other payments made.I will cancel all my other active policies with this bank because this is very disappointing.I dont want to do business with such unreliable dishonest banks.I have been with capitec Bank for years but i can see why people just use them for small things.Money disappears and when you go in the branch they have no answers.Thats why i dont put my salary in this bank.I will never put big amounts of money in Capitec.They are good for small things and cash sends thats it.Please send me forms so that i can cancel the others as well.I cannot be paying such a ************* funeral cover I wanted to know if i will be able to claim my funeral cover i have for Gerrit Tenkwan.Initially i opened it last year 19 june but it lapses and i reinstated it again in oct last year.The old policy FP***1 was the policy is FP***7 now after reinstating.Capitec in De Aar now says its a new policy not a reinstated policy and I cannot claim.I had a similar experience with Old Mutual but I remember them deducting the missed premiums from the funeral cover amountThe lady who assisted me didn'teven take the form and submit the claim to the insurancedepartment. I expected hervto do so becauseshe wasn't even sure about this,she went and asked whoeverwas in the back and came back.Ifvyou dont know for sure how do you just show a client the door.Not like Capitec who is now just saying its a new policy.Capitec has agents that give different answers on the exact same questions when asked about funeral claims.Then when you ask about your specific profile you are answered in general.I contacted Capitec to find out if i can claim on a policy then i was told yes by Brigette.Then i go to the bank and i am told another story that its a new policy i cannot claim.So i contact Capitec on whatsapp again and now the agent also says they do not reinstate policies but I wasnt told that the day i was called and tried to fix the policy to start up again.Only today I was told about pausing a policy as well.

No response??are you blind?

The ombudsman will deal with you

Capitec has been calling me for the past 3 days in regards to a policy.The way it was dealt with is very unprofessional.An assessor called me not saying who she is to the bank.She asks how I am related to the deceased and when I respond she just says thank you and hangs up.I expect a professional person to say my name is this I'm with capitec and I do this (title).You identify yourself to customers.That call should also be listened to so you can understand the type of sly investigation that's done.Almost in such a way to trick people into saying things.A woman,Anna Rassie calls concluding the investigation.And sends an email like she was the person I spoke to.I have never had a conversation with this person.How do you investigate without talking to someone?

I keep asking for the recording to be be reviewed of the person who gave me the wrong information/misleading information having me pay open a new policy and lying that the previous policy waiting period will be taken into account.All this because in October I specifically said I want to cancel ALL active policies at Capitec and close the account.I even said it on my hello Peter review.

I dont care about this policy being declined but people should be made aware of the schemes and lies.And how Capitec Bank treats their customers.If the calls can of this investigation from the start can be reviewed and listen to how many different stories about why the call was declined.They don't even mention correct dates,I had to rectify.People should be made aware of Capitec.I am waiting for the written feedback to forward it