LOAN & SAVINGS ACC IN MINUS CAPITEC ******

I have load with capitec and every month on the 20th there is a Naedo that goes off to collect an amount of R3,590.52. On the 22nd I got an sms to fund my account my Absa account, which I did as I couldn’t understand why as My salary come in on the 20th and every month Capitec takes its money without fail. I still put in the money as I have a Cheque and savings account with Absa. I have an Absa account which I get my own salary in and then Capitec would take their loan repayment from that.

After I put in both savings & the cheque I went and checked and could see that my account was in a minus so I could not understand why I got an sms. So, I called Capitec call center on the 23 June the consultant could also not understand which is so crazy as they supposed to know what happening on the accounts they have the systems and screens, She them advised me that there is a double payment on my loan and I then told her it could not be I did not do a double payment. I even said I AM NOT RICH HELL, please check again. Then she did she then told me mam you account is paid with an extra R3,590.52. She then said you due for a refund and that I have a saving account with Capitec so she will do the refund to the account. I then told her its fine but I will go to a branch to confirm all this.

So on the 24th I went to the Capitec branch: Eastlynne, Baviaan****rt branch no: 4280 I was assisted by the consultant: Marcia

She checked and conformed that yes, the refund is due to me, she went further then called the call center or the debt collection to confirm & so they did they said refund is du to me. I even told her that I wanted to make sure as I don’t like owing on my debts and I haven’t had any problems with capitec so I need to make sure. She assured me that she confirmed and the money is mine.

So I the transferred the R3000 of the money to my Absa account as on my Absa account I have a lot of benefits for paying and wiping and I also don’t pay any fees as o am staff. So, I used that money to pay for school fees and other expenses.

On the Friday 28th June at 21:05 I go an sms notification for my capitec account stating Acc correction -R3,590.52 rom savings account available R0.00 I WAS SHOCKED WHAT THE HELL, MY ACCOUNT IN A MINUS AND THEN I got an sms to say I did not pay my loan. AFTER ME CALLING THE CALL CENTRE – GETTING confirmation that I am owed a refund and then branch consultant also confirming the very same thing.

So I went back on Monday 28th June to find out what the hell the sms was about, To the very same branch and spoke to the same consultant marcia. She then called the call center again and spoke to a Sipho He was so confused he told her he did not know what was happening on my account. So she redialed and spoke to another person who then told her that it looks like a technical fault so an incident needed to be loaded: Inc no: 8***

I told her I cannot be held responsible for this, when I di my part I made TRIPLE sure that the money was mine before I used it. Now I am being called everyday telling me that I have not paid.

I WIL NOT ACCEPT THIS AT ALL – IMAGINE 4 DIFFERENT PEOPLE ASSURE ME THAT THE MONEY WAS DUE TO ME, NOW THAT I USE IT MY LOAN ACC IS IN ARREARS AND MY SAVINGS ACC IS IN A MINUS.

This is bull****, imagine having to deal with 4 different people from your branch or bank that could be so stupid!!!!!

I WANT BOTH MY ACCOUNTS TO BE RECTIFIED I DON’T CARE HOW OR WHAT FIX IT!!! THIS IS MY CREDIT SCORE THAT IS GOING TO BE MESSED UP. I WILL NOT PAY DOUBLE IN JULY AD I WILL NOT FIX MY SAVINGS ACCOUNT THIS IS NOT MY PROBLEM OR MY FAULT !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

I WILL TAKE THIS MATTER FURTHR IF NOT RESOLVED BY TOMORROW COB!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

KAYLEEN PRINSLOO ***