PP
Pam P

1 reviews | Active since Oct 2020

06 Dec 2021, 09:56

Debit Order taken but does not reflect on loan repayment

Where is my money Capitec????????????????

The worst service and has my money been ******???????????

On 29 November 2021 – Capitec did a debit order on my Nedbank account to pay for my Access Facility loan repayment (this is the arrangement I have for the loan repayment). The value of R3 289.68 was taken out of my Nedbank Account (statement attached) and it was supposedly paid to my Access Facility loan account. However when I check my Access Facility Loan account and today received a statement the money does not reflect as paid. If a bank takes a debit order, it must pay immediately to the account it is being done for???????????????? But the money has left my Nedbank Account, where has my money gone to? On 30 November 2021, Capitec did a debit order to pay for my credit card to the value of R558.24 and that money went IMMEDIATELY into my credit card balance, so what is the difference with my Access Facility payment. Capitec did a debit order for it to go into my Access Facility loan account, money taken out of my Nedbank account and yet it never went into my Access Facility?

I immediately made contact with the contact centre on 30 November, they did not understand what I am saying and said that I must send my Nedbank statement to *** , which I did. Still no response, I put my life in danger (as I have all comorbidities to COVID) and went into the Centurion Mall branch, first Claudia was of no assistance, I sat there insisting she check and she then asked for my Nedbank statement and called someone in loans. (Reference Number: ***). Still no updates done, I then escalated it to a Mr Ndlovu and still the money is not reflecting as a payment made. I continue to get SMS’s stating that my insurance will not be paid on the load, as I did not make payment and my App states that I have not paid my loan this month, when I have? Also why is it my responsibility to prove that I paid the money for my loan repayment – when it was a Debit Order from Capitec? Money was taken out of my Nedbank account and where is my money gone to?

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Replies (3)
Capitec Bank
Capitec Bank's reply06 Dec 2021, 10:13
Official
Good day Pam

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
PP
Pam P's update28 Feb 2022, 10:20
Reviewer Update
Good day,
I really am at my wits end with Capitec now, with regards to my 36 month access account - yet again the DEBIT ORDER (money which Capitec takes from me) went off my other bank account on Saturday, 26 February 2022 at 02:04am.
I receive an SMS this morning stating that Capitec has not received the payment and arrears payment due this month??????????????? – I have proof the money has gone off my other bank account – yet again!!!!!!!!!!!!!
I also had a debit order go off my other bank account to pay my Capitec Credit card for this month – and it worked perfectly – the payment reflected immediately on my credit card account
Please can your system get sorted out, because this is very frustrating – and because off the errors of your system – my November credit report states that I made a late payment – which was not true – as Capitec ran a DEBIT ORDER and took my money on time.
I have no option now – but to go to the Ombudsman – as I am not being treated fairly by Capitec. As soon as I have paid off this account – I will be closing my account and make sure that my massive network knows of how useless Capitec is.



PP
Pam P's update02 Mar 2022, 07:34
Reviewer Update
To add insult to Injury - Capitec has gone and charged me arrears interest on a payment that I made on time - or they took on time from my other bank account via a Debit Order!!!

I WANT THAT ARREARS INTEREST REVERSED - the amount may be negligible - but its the principle.....