If Judas Eskariot was a bank

Capitec is my main bank, I literally put all my money into my capitec account. My salary, overtime, daily transfer, cash send, even when I get money in my other accounts I transfer to my capitec account.

Now I have a 52 months personal loan and a 4k credit card with Capitec and have 32 months remaining which I'm paying R1345. 91 monthly. I've NEVER skipped a payment on this account as I'm trying to get my credit score right. I went from being employed to unemployed but STILL NEVER MISSED A PAYMENT.

When my employment status changed, I notified them. I did not request an extension or cooling off period. I simply requested that they change my deduction date from the 25th to the last day of the month for both loan and credit card. They agreed. To my surprise on the next month Capitec deducted before month end, before the 25th (around the 16th/17th) . I reversed the money as that was not our agreement. End of the month I paid my loan and credit card manually, I added my loan account as a beneficiary and transferred the money end of the month as I knew they would not deduct again. I did the whole reversing and manual payments for a few months - despite me calling in and requesting for the money to be deducted at the end of every month. December i had no problem with the early deduction as its stated in my contract. My last credit card reversal request was a total mess-the money was deposited into another person's account. I remember calling in saying that the reversed money never made it into my account, an Indian lady told me that it did and then I made a payment, I was ****ed as there was no transaction like that on my capitec application.

In January, they deducted early. Fed up I called in again and finally got help. I unfortunately forgot the gentleman's name who really took time to understand my problem and frustration. The guy really checked hey, he concluded that it was a system error - which he corrected as I no longer get early deductions for my loan.

The horror now- so with this going on I'm being charged for transactions fees, the reversing, arrears amounts (where in actual fact, I've never been in arrears - IT WAS A SYSTEM ERROR). They never said anything about refunding those system errors fees.

Now having adhering to monthly payments of no later than 7 days after the month ends without fail despite having reversed the early deductions, BAM in my face on my credit report ARREARS in September,October and December 2020 (30days+). I was defeated as I have never missed a payment let alone not pay on time, they spat in my face after months of so much hard work to pay them back and up my credit score. The sad part is that those lies are going to be on my report for a while. I want them off-with full permission to verify my complaint and loan repayment behaviour.

The way I'm so loyal to Capitec, upon signing my OTP I requested that they first submit to SA home loans as Capitec is my main and preferred bank and SA home loans is a Capitec partner. Needless to say SA home loans cannot finance me effectively on a property I NEED due to my shady credit score - although being "green".

When I call regarding this matter, I get transferred to collections and ALWAYS end up wasting my time and money.

Yooooooooo Capitec