Capitec shows arrears when I am NOT

I don't want a consultant to contact me. They do that every month after I complain about the same thing and then your consultant's contacted just to say my account is NOT in arrears and that this will NOT happen again just for it to happen once again. Now frequently monthly and each month on or around the 20th of the month suddenly my app says I am in arrears of one whole payment. For a few say and then disappear.

Like yesterday on the 19th I wasn't in arrears. I owed Capitec R114000. Today one day later I'm arrears of over R3200 AND I suddenly owe R116000!!!

This happens every single month now since maybe November. At this rate I will never pay this off!!!

You adding R2000 in one day? Why?

Apart from this is how Capitec is subtly *****ing money and no one realises.

On my statement up until the 20th that I just got, every month on the 20th I am debited with the following:

1. ARR INT - R1.93 (20 Jan)
(Interesting enough this arrear interest was not added - or ****** from me- February).

2. ARR Death CI - R5.23 (20 March)

3 ARR Disab CI - R0.36 (20 March)

4. ARR Ret/Unem CI R5.16 (20 March)

5. ARR Int - R3.85 (20 March)

And every month I complain and rate on hellopeter and every month you say you'll get an agent to contact me and they do just to tell me I don't have to worry because I'm not in arrears.

Why then does it show in my app between around 19 to 22 of nearly each month that I am arrears with a full payment?

And why is all this little interests added? As I say the full payment arrears disappear after the 22nd FROM THE APP, but the small amounts of ARR INT every month does not disappear from my Statement. And from the app I can only get a statement up to 90 days, so I am not sure how long the *****ing of these small amounts of INT ARR things are going on in my account.

I request a statement (free - I refuse to pay for a statement because I want to check your fault), from the start of this loan until now so I can check in total how many ARR INT's were added monthly. I suppose you do this not only to me but to thousands of people who just don't realise or check their statements. ***** a small INT Arr amount of R3.00 or R5.00 from a million people?

Someone at Capitec is making big money from small interest charged on accounts that was NEVER i arrears.

And I am sure this isn't only happening to me.

Why are these ARR INT s never refunded on the credit side? Or reversed on my statement? I never see that! Just stays there?


Eversince November I started realising nearly every month Arr Int is added to my account. Yet it is very small amounts this is not right since I never was in arrears of this account since I opened it! My payments are taken immediately when my salary gets paid every month.

This is wrong.
It is not supposed to ever show that I am in arrears. Never mind *****ing interest money. However small the amount.

I have a screen shot from the app showing the full monthly payment in arrears. Plus this ******* ARR INTR... Plus the fact that on the 19th I owe R114000 and the next day I owe R116000.

I'm fed up of this ****. I DON'T want your consultant's to contact me again with the same old story that I don't have to worry since I am not in arrears.

I've heard this enough now. For months and months.

I demand that:

1. Never from now on app or my statement show (even for two days like is happening) that I'm in arrears when I'm not and never was.

2. My Statements never again show there is interest being taken for arrears on my account, on the death and disability and whatever policies you also have there

3. I want a FREE statement of the full term since the start of this loan because I suspect more ARR INT s that was left like January's.

4. I want to see on my statement that all and any arrears interests that was ever added to my account for whatever reason, be rectified and reversed. Because I never missed a payment.

And again Capitec is *****ing money from me....
Once again yesterday arrears for various things were debited on my account:

ARR INT3.79115 636.33 ***INTEREST2 079.57115 632.54 ***ARR RET/UNEM CI5.00113 552.97 ***ARR DISAB CI0.35113 547.97 ***ARR DEATH CI

When is this going to stop. I was never in arrears on this account.

Have been in contact with someone at Capitec about this. But they want my Nedbank bank statement for some reason and they do not accept the statement I sent that I got from my Nedbank app. Also they have ignored numerous requests to send me a full statement from the start of my Capitec personal loan so I could check how long exactly this ***** has been going on and how much "arr int" they ****** me with.

I am stil waiting for Capitec to send me a full statement since the start of my personal loan up to now.

Since from the start every month there has been arr int added and other arr fees, while as you confirmed here I never was in arrears.

So I need to make calculations and I need the statement.

Seems Capitec is reluctant to provide such statements, and I can understand when adding years of arr interested to an account that has never been in arr.

If the full statement is not supp**** to me, and free of charge asap I will revert to the ombudsman

W T H is this?????


Capitec: MR MYBURGH, your failure to pay R3,247.21 arrears was noted and will affect your access to credit. Call us now to solve this. ***

???????

I'm sooooo gatvol with Capitec bank.

You refuse to send me a statement as requested and you keep on with this arrears bull****!!

False accusation!

I did not "failed" to pay!!!

I pay ever month with a debit order when my salary is paid!

Every month since the start of rhos loan you charge arrears interest in my account!

And that is *****!!

When I contacted you you tell me I never once skipped a payment nor was I ever in arrears!!!!

Now you continue sending me this **** false sms thet I fail to pay!!!!

I have complained many many times but you wont stop!

Now I am fed up.

I am writing the ombudsman now!!!

I want my account sorted out

I want a statement since the start of this loan up to now

I want ALL the arrear interest and fees over the whole loan time to be taken off!

I am fed up of complaining every month and you ignoring my request and then tell me fail to pay!!!!


I am going to fight this as high as I can


Starting with the CEO of Capitec.

Yes I'll get his contact details!

And the banking ombudsman.

And if all the arrears interest and fees are not taken away from my account since the loan started I AM going to open a ***** case at SAPS and I am going to put is all over social media!

I want this fixed!!

I am so mad right now. i don't want to speak to any of your people anymore because I might be very rude to them and I don't want to be!

Fix your nonsense!!!!