Extremely Frustrating Experience – Poor Support and System Failures

I have had an ongoing issue with Capitec where my accounts are continuously being debited earlier and earlier each month—well before my salary date. Despite multiple attempts to have the debit order moved to a later date, I was told this is not possible, even after they agreed they can see they are trying to debit the account before the salary date.

After speaking to various individuals (none of whom seemed to actually assist), I spent over 50 minutes on the phone repeating myself multiple times, only for someone to eventually realise that the issue is due to a system error. I was told it would be resolved and that I would receive feedback within 48 hours. That feedback never came.

To make matters worse, this issue has negatively affected my credit score—even though I haven’t missed a single payment. This entire problem was created by Capitec, not by me.

The support I received was unhelpful, inefficient, and at times, just downright dismissive. One person who tried to help eventually just sent me back to the same department I had already spoken to. Today (7 days later), when I followed up, I was told again that I need to contact someone else to fix it. I’ve had enough. I will not be contacting anyone further.

The lack of accountability and real customer support is astonishing. I’ve asked several times to speak to someone who can actually resolve the issue, but it seems no one is empowered to help.

My advice: think twice before taking any product from Capitec. If a simple issue like a debit order date can’t be resolved after so many attempts, imagine what would happen with something more serious.