Capitec Ripp-Off Tactics

I actually cannot believe that I have to explain this to another person at Capitec as this is now more or less the fourth or fifth time, it is ludicrous to say the least.

Here Goes: A) When I app**** and initially received my Capitec Credit Card, I asked the question if there is a budget facility available on the credit card and was told no there is not although there should be soon. B) After a period of time I noticed on your web adverts that it advertised a budget facility, I called your help desk and was told by an operator that I had to login and create my own budget facility and amount on my account as to what value I want to have on a budget facility. I explained that I do not have exact amounts although it should not be more than R 10,000-00 at the moment. C) So, I logged in and created my own R 10,000-00 budget facility. D) I did not use it for anything for a while although I knew now that it was there should I need it. E) After the first time that I actually used the budget facility at a dealer I logged into my account and noticed that the amount did not go to or off the R 10,000-00 facility that I created it went to a separate transaction line on it’s own. F) I visited the branch at Carnival Mall and queried the fact that it did not go to that facility that I created. I was told that they do not understand why the consultant had me create a budget facility as it was not necessary and that I should not worry about it as they will not be debiting me against the R 10,000-00 facility that I created and called the credit department to confirm this. G) I asked for it to be removed from my account if it is a dormant entity and does not need to be there at all then. Again, I was told not to worry about it and just leave it as it is. H) I logged into my account and credit card facility and noticed that the R 10,000-00 facility THAT I NEVER USED were moved to my budget purchases on the 11th July 2017, put on a 24 month repayment term and started debiting me for it from there up to date to the amount of R 508.14 including interest nogal per month, FOR SOMETHING (R10,000-00) I NEVER USED!!! I) This amount above was calculated into my monthly repayment of my credit card balance of which I have never defaulted on since inception and have now been reducing over a 7 month period to the amount of R 4,636-74 already repaid, FOR SOMETHING R 10,000.00 I NEVER USED!!!!. J) All the other purchases I did make on the budget facility appears separately on my budget account, therefore it has nothing to do with this STUPID FACILITY THAT I WAS TOLD TO CREATE BY YOUR OWN STAFF!!! K) I tried to explain to your branch staff that the R 508-14 will not reflect as a single amount coming off my savings account, although it is shown on my credit card page and calculated into the full amount due to the credit card monthly which means I am paying off something that I never had the benefit off or used although that was too much for them to handle and they still do not get it!

Now I am going to ask nicely one more time! Please credit my credit card account with the above amount including interest that I was charged and delete the STUPID FACILITY THAT I WAS TOLD TO CREATE IF I WANTED A BUDGET FACILITY BY SOME NINCOM**** IN YOUR CALL CENTRE THAT HAS NOW CAUSED ME TO BE ********** BY CAPITEC BANK AND IS WASTING A TREMENDOUS AMOUNT OF MY TIME THAT I CANNOT AFFORD!!!