Capitec *****ulently debiting for Paid up Loans with no explanations or reasons

Good Day, I took out a 72 month Loan in September of 2018, The first payment was 25 September 2018. The loan contract came to a conclusion 23 August 2024, my contract with Capitec only provided authorisation to debit my account up until the 23rd of August 2024. All payments were made for the full duration of the 72months yet Capitec proceeded to debit my account for the 73rd time on the 24th of September 2024 despite my contractual agreement being fulfilled. I tried to resolve this telephonically but after almost two hours on the phone with no progress, I decided to go into the Northgate branch. Capitec’s trading hours states on their website that the branches are open on Public Holidays from 09:00-17:00, I went to the branch but they were closed despite the trading hours listed. I then visited the branch on the 25th of September, I spent over 5 hours at the branch who have no authority to make any actions on the account, instead they need to phone into their call centres to do anything. We went through the reconciling my account. It was established, that by the 25th of August 2024, Capitec had received 72 payments and had collected the full sum of the Cost of Credit taken out. even though it was established the branch, they had no authority to reverse the incorrect debit, instead I was advised that they will be investigating the reason that this has happened which had a 48hour turn around time.

I had informed the bank Manager that I had other obligations to which those funds were needed. I was advised by the Regional Branch Manager Katlego Mphahlele that since they are unable to assist with reversing that ******* and incorrect debit on my account, I should reverse it with my own bank, which I proceeded to do the following day, on the 26th of September 2024. Katlego also personally promised to provide me with this feedback within the 48 hour turnaround time.

Fast forward to one week later, to the 2nd of October 2024, I woke up to an SMS from Capitec stating that they were unable to collect payment for September, the same incorrect debit that I had reversed. Again, I tried to resolve this with their call centre I spent an hour on the phone just to be told to go back to the branch. I went back to the branch, only to find out that the incident from the week before was not even reflecting on their system, mind you, this was after being at the branch for over 5 hours, the Branch manager together with the agent that assisted me onsite had spoken to a countless number of agents over the phone, over 10 different agents and maybe 4 different departments, yet there is no paper/electronic trail or notes for any of my interactions with Capitec, today the branch was not able to provide any feedback, Katlego and the agent dealing with my query were not in. Katlego was called a few times by the consultant assisting me. He did absolutely nothing to try and investigate and assist with this issue despite taking personal responsibility for providing me with feedback regarding the investigation they were supposedly busy with.

This has been nothing less than *****ulent. It violates the terms of our contract signed and fully upheld from my side and Capitec still proceeds to cause more damages against me in the form of my time and resources, as well as attempts to debit my account resulting in demerits against my credit score rating.