Capitec - Unproffessional and Negligent

This is a follow‑up to my original review regarding Capitec’s handling of my dispute submitted on 10 January 2026. The bank initially opened the dispute under reference ***6, closed it immediately with an incorrect explanation, and then failed to acknowledge my full resubmission and subsequent follow‑up emails.After 16 days of no communication, Capitec finally responded on 26 January, but under a different dispute reference number (***0). They then provided an inaccurate reason for refusing to process the refund, claiming that I had not agreed to Mastercard’s Terms and Conditions. This is factually incorrect, as a Capitec card cannot be activated or used without such acceptance, and no request for confirmation of any T&Cs was ever made.Capitec’s handling of this matter has been administratively negligent, procedurally inconsistent, and factually incorrect. I have now escalated the matter to the Ombud for Banking Services with full supporting documentation.