FS
Fadwah S

1 reviews | Active since Nov 2022

08 Nov 2022, 16:05

Capitec worse bank ever

This is the worst bank ever on the 14th of September I was at the garage buying a few things for my father in law because he was in the hospital at this time so I go to pay for my goodies and then the transaction declined as I was using my capitec bank card, obviously to my surprise I was utterly shocked so I go to the ATM and try withdrawing money uh and it's denied the message says pls call your bank your card has been reported ******... shook I go to the hospital do my visit with father in law get back home and call the bank at this time there is loadshedding hold for however long I held and the call just gets cut try again same story a total of three times while transferring you to the relevant department the calls get cut the account had encountered issues the previous day already but nobody at that bank had notified me of any issues so It was a shock to me that the account was blocked I called in the next day after another 3 attempts I finally managed to get through to somebody oh my goodness this lady extremely unprofessional I would not even rate her one star so I explain my story and I said I have never reported my card ****** and she checks on the system come back and she tells me somebody has reported a ********** transaction against my account (so I sell goods and upon paying I would release the goods ) to the relevant people so this guy after receiving the goods decided that he will do a chargeback to get his money back and walk away with the goods I have provided him with I said ok so what do I need to do next she says and I quote you have to make an affidavit stating this is not ********** funds so I did this because at the time capitec had put a hold on my husbands account he banks with a different bank I transfered R2800 to my husband's account for his petrol to commute to work then capitec felt the need to block his account as well because the R350 chargeback apparently formed part of the R2800 I transfered to his account he also was required to make an affidavit to send to his bank so we could get his account unblocked it took them more than a week to unblock his account because they were waiting on capitec to lift the hold our bond and debit orders could not go off because of this issue the very same day my husband sent in his documents to his bank I took in mine to capitec I got to the branch where they refused to assist me I sensed that cases like these they are scared of but I waited and waited until somebody took my documents and uploaded them I asked for a bank statement which they flat out refused to assist me with the lady assisting me I asked her why can't you help me with a bank statement she said because your account is blocked and I'm like but you are a bank she like there's nothing I can do I said ok the next step after uploading my documents I asked her so when do I get feedback around the issue she then puts some chat on my WhatsApp and told me to check the Whatsapp everyday until the matter is resolved I must click on track my incidents so I do that everyday and everyday there is no progress update this screen stays on the same level up until today it stays on the first level so now I'm starting to get fumed and I start calling into call centre and everyday for an entire week I was calling and explaining my story to a different consultant all the time sometimes three times a day and every consultant has told me that they will log the call but guess what nobody not one of them had logged the calls the WhatsApp consultants oh my word as useless as dirty sink water it's frustrating because I have money in my bank account I have a family to feed I've sent in my documents hoping to get the matter resolved I have even sent them an email to forensics to tell them to send the money back to whoever made the chargeback the person who is responsible for this chargeback claim will never be happy eating other people's money under false pretenses but I have not heard anything from this bank I decided to give them a break for the entire last week give them time maybe they will sort it out I called again today for the very first time in a while I got the number to call from the consultant on the WhatsApp chat because they apparently don't deal with ***** on WhatsApp but there was another consultant super nice Jason who gave me at least some information and who also said he would log a call and send it to forensics to treat the matter as urgent which I found out the following day was never logged today provided the number given by the consultant on WhatsApp I called again the lady said Im not able to assist let me put you through to the relevant department to further assist with your query which resulted in a dropped call I then called back on the same number and this time another lady said you have to go into the branch to settle this problem oh my goodness I scolded her I became extremely frustrated because everytime you walk into the branch for assistance they tell you they cannot help you with the problem because it's a ***** case only forensics can help you so you tell me I sent a message to forensics email to request my husbands account be unblocked which they did but never responded or gave me any feedback on the status of my account where the freaking hell do I get hold of these people I am not a ********* I earn my money legitimately I am not in the business to cheat anyone and I definitely have no involvement with anything ***** related which I stated in a sworn statement from the police the affidavit it's been 3 weeks already since I handed in those documents it's been almost a month since the account is blocked and not even once did anyone from capitec contact me I was the one running after them which produced absolutely no result at all I am now ready to take this a step further and lay a complaint with the ombudsman this is just absolutely ridiculous this bank sucks big time so in essence this bank provides zero feedback or progress report you can not get anywhere with *********** staff like this I've been sent from pillar to post without producing any results I am fed up now and at my wits ends

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Replies (3)
Capitec Bank
Capitec Bank's reply08 Nov 2022, 16:14
Official
Good day Fadwah Solomon

Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.

Kind regards
Capitec Bank
FS
Fadwah S's update08 Nov 2022, 20:10
Reviewer Update
That was a very fast response, however I really hope I get a response within the next business day as I've gone a month without any contact from Capitec I will only believe when someone contacts me and the matter is resolved I don't know how much more evidence I have to pull up in order to get my account unblocked I need to make use of my money
FS
Fadwah S's update11 Nov 2022, 15:02
Reviewer Update
Just as I expected I heard from this bank the following day only to be asked if I have handed in my affidavit which I don't know if they can't see on the system when they contact a client all the details and then I was told that a decision would be made in the next 24 to 48 hours that 24 to 48 hours has come and gone and I am still at the same place I was before... rating this bank the worst bank ever is an understatement this is completely pathetic customer service I would not advise anyone to bank here period !!! And as much as you guys record your calls so do I so I have alot of our conversations recorded