No assistance from Capitec ***** department

I am writing to formally lodge a complaint regarding *****ulent deductions from my Capitec savings account by Apple.com. These deductions are entirely unauthorized, as I have never owned an Apple account, an Apple device, nor have I ever authorized any payments to Apple.com.

The first *****ulent deduction attempt occurred on 1 July 2023, in the amount of R999.99. I immediately reported this issue to Capitec's ***** department via WhatsApp and was assisted by an agent named Euniez. Despite explaining that I do not have any Apple subscriptions or devices, I was advised to contact the merchant (Apple) to cancel the subscription, stating that the bank cannot reverse the charges without permission from Apple.

I reiterated that I have never had any dealings with Apple, but was repeatedly told to contact Apple to resolve the issue, as the bank could not assist further without Apple's consent.

I visited my local Capitec bank in Heidelberg, Gauteng, and requested a new bank card. A new card was issued to me that had a new card number. However, on 21 July 2024, numerous attempts were again made to deduct R199.99 from my account by Apple.com. To date, there have been approximately 10 attempts to withdraw money using my newly issued card, which has a different number from the old card. I have not provided the new card details to anyone, nor have I used it for any purpose.

This clearly indicates that ***** is being committed and that my card information is somehow being obtained by unauthorized parties. I visited my local Capitec branch again on 23 July 2024 to report these incidents. Yet again, I was advised by the agent, after she contacted the Capitec ***** department, that I need to contact Apple to dispute these transactions.

Just now another new deduction of R59,99 was attempted on my account.

It seems that the ***** department is either unwilling or unable to assist in resolving this issue. As I have never had any dealings with Apple, I cannot contact them to dispute these charges. It is the responsibility of Capitec and its ***** department to protect my account and resolve this issue, as it is evident that my card information is being compromised.

I am also incurring bank fees for every unsuccessful debit attempt, further adding to my distress. I urgently request that this situation be resolved promptly. I have repeatedly informed Capitec and their ***** department of these *****ulent transactions, yet nothing has been done to protect my account.

I hereby place on record that if there are any further unauthorized deductions from my account in respect of Apple.com, I will hold Capitec fully responsible, as I have never authorized these transactions. Additionally, I will refer this matter to the Ombudsman, citing negligence by the bank in protecting my account from *****ulent activities. I will also post all the issues and screenshots of Capitec's responses and unwillingness to assist on all social media platforms.

I find Capitec's response unacceptable and seek immediate intervention from Capitec to investigate and rectify these unauthorized deductions. I trust that Capitec will take this matter seriously and assist in resolving this issue promptly.