******* transaction through Capitec Bank

My name is Fairhope Hlahane, I bank with Capitec, my case number is 420/05/2020 My account number is ***, I have a savings and an investment account with Capitec Bank, the branch is in Fourways. I would like to report an ******* transaction that occurred from my account through Capitec and Nedbank. On the 26th of May 2020 at 12h20, I did a payment to Unicorn Medical Supplies to purchase NVK95 masks, I paid an amount of R100 000 into their Nedbank account. This purchase was for 4000 pieces of face masks. On the 27th of May 2020 at exactly 13h22 pm, a forensic agent from Capitec called me, his name is Edward Mashabane, he called me to alert me that Nedbank's forensic department warned them that my payment was paid into a suspicious account. I then asked him if it's **********, he said it's suspicious. The forensic agent from Capitec then gave me an option to reverse the payment into my capitec account until Saturday so that I inform them if the goods are delivered or not delivered. So the conclusion was to suspend the payment until Saturday. So the payment will return to my account. On the 28th of May, the goods were not delivered but the supplier requested a further amount of R10k as an additional amount to be paid for the delivery of the masks, the amount was paid into a Capitec account, BT Matsoso, Account number ***. Their total bill for the masks was initially R119 000 but I could only pay them R110 000. I did this payment with the hope that the goods will still be delivered. On Friday the 29th, at 1h40pm, I decided to check with the Department of Health if the goods were received, the website office number was totally different to the contact who ordered the masks from me. That's when I realized that I was ****med. At this time, I also realized that Capitec did not reverse the money into my account as agreed on the 27th of May with the forensic agent, so at exactly 1h45pm I called the forensic agent from Capitec concerning the agreed reversal of my payment and to also inform him that the delivery was not done. He checked on the system and told me that the payment was released to the 3rd party. I questioned why they released the R100 000 when I did not agree to pay the goods until they were delivered. Also this was an unauthorized payment because we agreed to reverse the R100 000 into my account until I notify Capitec if the goods were delivered. If I never called Capitec’ s forensic agent, I would not have known that the money is gone. I believe there's negligence from Capitec’ s side and it's proven from my second call on Friday with the Forensic agent because it took him a while to understand what my follow up is all about and he only checked his inbox from Nedbank because I made a follow up but he wasn't going to make a follow up with Nedbank at all about my money. The fact that it was 3 days later and he never called me to update me on the progress of the reversal. I strongly believe he did not instruct Nedbank to reverse the money after our telephone conversation on the 27th to reverse the money. I feel that I was compromised by Capitec and they acted out of negligence and that's a serious misconduct which now affects my life. My interest was not protected. My line got cut off as i was speaking to him but he didnt bother to call me back. At 14h08pm, I called him again after realizing his not calling me back, I tried him on the same line again at 14h10pm and at 14h22pm, 14h27pm and then 14h45pm but the call was not answered. In a serious crime like this, I expected Capitec to follow up and keep me updated as their customer but it never happened. I was already stressed. At 3pm I then took a drive to Pretoria, Department of Health, to the venue where the goods were supposed to be delivered but only to discover that the whole thing was a ****, the security guard at the Department of Health informed me that all this is a **** and that there's no such a recepient at the Department of health with the number ***. The whole thing was a ****. At 3h10pm, 3h14pm, 3h15pm, 3h16, 3h17pm I kept trying to call the forensic agent from Capitec but the call was not answered. I rushed back to the Capitec Fourways branch to report the incident and logged a call to recall my payment. The time was almost 4pm.I was assisted by a branch consultant and was given a reference number, ***3 at 5pm. All this happened on Friday, the 29th of May, meaning I was still on time to inform Capitec since we agreed with the forensic agent that he will not pay the supplier until the goods are delivered, I did inform Capitec that the goods were not delivered and thus I did not authorize the payment. At 5pm on Friday, same day, Capitec sent me an sms notification that I need to provide them with legal documents, an affidavit and a case number from the police station. On Saturday, the 30th of May 2020, I opened a case of ***** and did an affidavit so that I can give it to Capitec on Monday. The case number is 420/05/2020. I submitted my affidavit and the case number to Capitec Fourways branch on Monday at around 11h30pm. On the same day I went back in the afternoon to follow up on the progress of the case, I was in the branch for more than an hour waiting to hear what the feedback is an inconvenience.

Finally I requested for the recordings which occurred on the 27th of May where the Forensic agent from Capitec was communicating with me, I was told that Capitec will not allow me to get the recording, my question is why can't find those recordings and allow me to listen during their presence and each time I ask for Edward, I'm told he is busy.

Lastly as I was at the branch on Monday afternoon to make a follow up, the story has completely changed, I'm told by another forensic agent telephonically that the reason why they contacted me on the 27th of May was not to reverse the money but it was to inform me that the account of the 3rd party was frozen by Nedbank and only 3k was left in the account and there's nothing they can do to help me. This is not true because the information I am now recently getting from Capitec is different from the first information I received from their forensic agent to reverse my money. I'm a single parent with the responsibility to finance my children's studies and pay for the house, I owe the house and all other debts are my responsibility. It's a difficult time for me right now because i have to pay my debts and this money was all I had, I thought let me try out the sale of masks to make more money but it’s unfortunate that this was a ****. I need my money urgently to meet my liabilities. I cannot afford to miss my school payments otherwise my children will be highly affected. Let alone money to buy food. Already this is affecting me psychologically and I need justice done. I trust that the above is in order. Thank you and Kind Regards Faith