Cost cutting Pu*s Bank!!

After many years, a long standing client was finally F**d around with. I have two questions for capitec.

1. How long have i been with you? 2. Are you aware how much money has been in and out this account in its lifetime.

Yall are F**king around with peoples hard earned money.

Capitec is one of the most cost cutting- ridiculous banks the Continent of Africa has seen. Voted as SA's worst bank by many, i still ask myself how they are able to operate like this under the directives of the South African Banking Association.

I'd like to remind Capitec, that to be a bank in SA, you are legally OBLIGATED to follow industry standards, but you are far from it. Your ATM's use chinese software and parts. Your app developers cannot create a stable banking app.

This started when i attempted to do a cash send of R150 to myself for a simple haircut. The atm now says no notes available (Nothing new with capitec) , actually prayed as i entered in my 4 digit pin that this atm has money available.

It then displays - Correct notes not available. This is such a p*ss bank that you cannot even cancel the cash send, THAT YOU MADE! Since when am i not in full control of my account and my funds?

I f**kn pay yall to see to the administration of the account.

Now this is where capitec will take you for a first class c*nt Desperate for your own money, you fork out another R200 cash send as the machine likely had 2x R100 notes available. This worked.

Please think of the inconvenience you are putting me through by not being able to cancel a cash send. I must now withdraw this initial R150 on another day at another ATM.

Capitec does not even have enough atms around! Tymebank has more kiosks than capitec. Thats such a shame because tymebank use a portal machine. You have stuff built in, permantly, and you still cannot get your ATMs right? That is a disgrace for a bank in SA.

I then go to withdraw this, 20km out of my town because thats the nearest ATM (Westville Mall) That is accessible to the public after hours.

Why does capitec place ATMS in malls? Are you sick in yalls head? Who can go and withdraw their money at 10pm? NOBODY! Malls are closed, security want to be c*nts.

while withdrawing this money (1 day later and 20km) the atm makes sounds that its counting money, and then the flap opens and immediately shuts closed, then displays out of service. Then comes back on 2 minutes later. No money and voucher shows as redeemed.

Fortunately, i understand capitecs useless systems because i am a I.T Engineer. And as far as im concerned, technically, once that flap opened and the money was counted in the ATM, Capitec receives the message as a successful withdrawal. Anyone in I.T will know this.

I then call your client care and the lady tells me she can log a dispute and this will take 10-24 hours??

Are you F*CKIN joking? This is peoples hard earned money and people legally need this for tender!

You have now: 1. Costed me R24.67 in calls to client care 2. R200 in Diesel to travel to 3 other places to attempt to withdraw 3. Made me frustrated.

At this stage, it exceeds the R150 cash send im attempting to get, i was better off giving it to charity. On top of this i need to wait 24 hours?

Just who the f*ck do you think you are? This is my money and my account! Not yours

I beg of every exisiting capitec client and new, steer clear of this garbage of a bank. You will be in far more inconvenience than you could imagine. With ****py ATM's and Software running it, paired with their p*uss APP! Its all down to cost cutting for this bank.

How about this for a f**king idea. Stop giving people loans and issuing credit cards for 1 month, and fu*king this country up in debt. Rather use that money and improve your systems, Its a goddam shame that you call yourselves a bank. You should , including all your staff, hang your heads in shame.

The recent total blackout of the capitec banking channels was enough to tell south africa to leave!!!!!

Everyone still remembers how they were locked out of their monies. You shouldve closed up shop right then and there!

Please do not use this bank any further, the risk is not worth it, their dispute is not a guarantee that your funds will return to your account. No one deserves insecurity when it comes to your hard earned money. This bank has no consideration or good graces for accounts that have been with them for years and never logged such a dispute. What is it to capitec, that out of a goodwill gesture after all the hundreds of thousands that entered this account, what is R150 to you, to return to my account immediately?

Because of this inconsideration towards my money, the principal of handling someone else's interests, the inconvenience caused by driving up and down, and then once you do find a "decent looking atm" it doesnt give your money.

Capitec is playing with fire and this matter is very serious. Someone couldve needed this money so badly for something. You of all banks, should understand this as your market, caters majority for the Lower- Middle earners who find satisfaction in your pricing. But im here to tell everyone that this pricing is not worth the inconvenience you may one day receive, the no guarantees, and the lack of not being afraid to show appreciation to a customer after a situation like this.

After my account has sent and received, hundreds of thousands in the last few months, after being with you for many many years, are you honestly giving me *** for returning R150 back to my account?

Dont make your internal disputes, a customers problem. And this was a first party service (Their ATM , not checkers money market , boxer etc)

For giving me ***, i will hurt you in the place you hate, i will close my account once this dispute is completed, I will take all my business funds, and personal funds and place them in a different bank starting first thing in the morning.

Its about principal for me, but you have Fu*ked me around, and now i will go. What difference will one customer make if they are lost? Dear capitec, this will hurt you, because i bring in alot of revenue from my business and transact with the account for business and personal use, i assure you, every customer lost, is a just a tiny hole in your fence.... Once you have enough holes in your 1000 acre fence, the fence will crumble down. Keep it going.... You are doing extremely well for yourselves.

I admire capitec for rubbing their faces in SH*T and still show themeselves to the public. Dont F*ck this country up, Just please.... Shut it DOWN!!!!

Please guys, do not be like me and think it will get better, it doesnt with this bank. SA's worst reviewed bank. People, we work hard for our money, lets pay another bank R50 or R100 per month, and get free everything for a set price.

I promise you a few things if you change. 1. More atms are available in emergencies 2. Reliable Banking App 3. Reliable Internet Banking 4. Reliable Support Staff 5. Will be able to cancel Ewallets and Cash sends 6. Less fuel needed to go to a ATM 7. No airtime expenditure

Please leave with me!