TS
Tshepo S
1 reviews | Active since Jul 2019
30 Apr 2020, 15:04
Poor online transactions security for clients
I would advice everyone using capitec to avoid online transactions with their cards. I did online transactions on the 19 and 20 April 2020, the money was taken from my account, I set the daily limit to zero on 21 or 22 cant really remember, then on the 24 some money was taken from my account totaling 260 rands, I blocked the card, in the morning of 25 April when I woke up, 3400 rands was gone, I contacted them they they told me long stories of which I did not understand but they promised to reverse the money, they did not, I called on Sunday, the agent did what he had to to and then told me that he is getting an error message, he will try again in 20 minutes. Nothing happened no feedback was given to me. Monday I called same story and Tuesday they reversed only 900 and then they called me and said they are still attempting to reverse the rest but they finding it hard because the card is blocked.
So how do I trust you in the future if you could just allow people to take my money even if the limit is zero and the card is blocked.
So good people this is just my personal experience with online transactions with capitec...
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Replies (5)0
Replies (5)
Capitec Bank's replyOfficial
30 Apr 2020, 15:28I acknowledge your posting, and have referred it to Complaint Management for immediate attention.
Feedback will be provided within five working days. I trust that this situation will be resolved to your satisfaction.
Kind regards
Capitec Bank
Feedback will be provided within five working days. I trust that this situation will be resolved to your satisfaction.
Kind regards
Capitec Bank
Capitec Bank's reply30 Apr 2020, 15:28
Official
I acknowledge your posting, and have referred it to Complaint Management for immediate attention.
Feedback will be provided within five working days. I trust that this situation will be resolved to your satisfaction.
Kind regards
Capitec Bank
Feedback will be provided within five working days. I trust that this situation will be resolved to your satisfaction.
Kind regards
Capitec Bank
TS
Tshepo S's updateReviewer Update
30 Apr 2020, 15:58Five working days. Easy for you to say because nobody took your last money
TS
Tshepo S's update30 Apr 2020, 15:58
Reviewer Update
Five working days. Easy for you to say because nobody took your last money
TS
Tshepo S's updateReviewer Update
01 May 2020, 17:28What's still puzzling me is the fact that you were able to reverse part of the total amount taken from me, what's stopping you from reversing the rest of the money?
I know you promised me 5 workin days but the agent on the 29th of April around 19h45 promised me that the process can take 24 to 48 hours which makes today 19h45 the 48 hour mark. I dont know if your 5 working days statement replaces his 48 hours statement.
I don't know.... I really don't know
What I do know though is that you taking advantage because I cannot sue you or anything, because I was told by your agent that they can't just reverse the money because the merchant may sue them, that gives me an impression that you weighed the merchant and I and then figured that I have no power to sue you or anything plus you know my financial status better than anyone so is easy for you to figure out that I cannot afford to sue you.
And is true I have no power to sue a big bank like you or anyone for that matter,but that does not give you the right to abuse me, I just don't know how it works but I think is the banks duty to protect my money in their safes. And the money that was taken, it was from my account, it is not money that was in the unprocessed folder , I mean when i made the original transaction the money was taken from my balance in my account, if it was not processed was it not supposed to be in the unprocessed folder? If it was stored on the unprocessed, then why did you take another money from my account straight .
Why dont you send me a notification to confirm online payment before it can be processed like any other bank? Why do you process online payment while the online purchases limit is zero.
I know you not going read this but the way you treating clients, weighing them and assisting their ability to sue and then tell them straight that we not going to reverse it because we might be Sued by the other party, that's really undermining the client and given that you have access to their financial status and all makes it worse.
I know you promised me 5 workin days but the agent on the 29th of April around 19h45 promised me that the process can take 24 to 48 hours which makes today 19h45 the 48 hour mark. I dont know if your 5 working days statement replaces his 48 hours statement.
I don't know.... I really don't know
What I do know though is that you taking advantage because I cannot sue you or anything, because I was told by your agent that they can't just reverse the money because the merchant may sue them, that gives me an impression that you weighed the merchant and I and then figured that I have no power to sue you or anything plus you know my financial status better than anyone so is easy for you to figure out that I cannot afford to sue you.
And is true I have no power to sue a big bank like you or anyone for that matter,but that does not give you the right to abuse me, I just don't know how it works but I think is the banks duty to protect my money in their safes. And the money that was taken, it was from my account, it is not money that was in the unprocessed folder , I mean when i made the original transaction the money was taken from my balance in my account, if it was not processed was it not supposed to be in the unprocessed folder? If it was stored on the unprocessed, then why did you take another money from my account straight .
Why dont you send me a notification to confirm online payment before it can be processed like any other bank? Why do you process online payment while the online purchases limit is zero.
I know you not going read this but the way you treating clients, weighing them and assisting their ability to sue and then tell them straight that we not going to reverse it because we might be Sued by the other party, that's really undermining the client and given that you have access to their financial status and all makes it worse.
TS
Tshepo S's update01 May 2020, 17:28
Reviewer Update
What's still puzzling me is the fact that you were able to reverse part of the total amount taken from me, what's stopping you from reversing the rest of the money?
I know you promised me 5 workin days but the agent on the 29th of April around 19h45 promised me that the process can take 24 to 48 hours which makes today 19h45 the 48 hour mark. I dont know if your 5 working days statement replaces his 48 hours statement.
I don't know.... I really don't know
What I do know though is that you taking advantage because I cannot sue you or anything, because I was told by your agent that they can't just reverse the money because the merchant may sue them, that gives me an impression that you weighed the merchant and I and then figured that I have no power to sue you or anything plus you know my financial status better than anyone so is easy for you to figure out that I cannot afford to sue you.
And is true I have no power to sue a big bank like you or anyone for that matter,but that does not give you the right to abuse me, I just don't know how it works but I think is the banks duty to protect my money in their safes. And the money that was taken, it was from my account, it is not money that was in the unprocessed folder , I mean when i made the original transaction the money was taken from my balance in my account, if it was not processed was it not supposed to be in the unprocessed folder? If it was stored on the unprocessed, then why did you take another money from my account straight .
Why dont you send me a notification to confirm online payment before it can be processed like any other bank? Why do you process online payment while the online purchases limit is zero.
I know you not going read this but the way you treating clients, weighing them and assisting their ability to sue and then tell them straight that we not going to reverse it because we might be Sued by the other party, that's really undermining the client and given that you have access to their financial status and all makes it worse.
I know you promised me 5 workin days but the agent on the 29th of April around 19h45 promised me that the process can take 24 to 48 hours which makes today 19h45 the 48 hour mark. I dont know if your 5 working days statement replaces his 48 hours statement.
I don't know.... I really don't know
What I do know though is that you taking advantage because I cannot sue you or anything, because I was told by your agent that they can't just reverse the money because the merchant may sue them, that gives me an impression that you weighed the merchant and I and then figured that I have no power to sue you or anything plus you know my financial status better than anyone so is easy for you to figure out that I cannot afford to sue you.
And is true I have no power to sue a big bank like you or anyone for that matter,but that does not give you the right to abuse me, I just don't know how it works but I think is the banks duty to protect my money in their safes. And the money that was taken, it was from my account, it is not money that was in the unprocessed folder , I mean when i made the original transaction the money was taken from my balance in my account, if it was not processed was it not supposed to be in the unprocessed folder? If it was stored on the unprocessed, then why did you take another money from my account straight .
Why dont you send me a notification to confirm online payment before it can be processed like any other bank? Why do you process online payment while the online purchases limit is zero.
I know you not going read this but the way you treating clients, weighing them and assisting their ability to sue and then tell them straight that we not going to reverse it because we might be Sued by the other party, that's really undermining the client and given that you have access to their financial status and all makes it worse.
Capitec Bank's replyOfficial
05 May 2020, 11:24Good day Mr Sebela
Kindly note the matter has been resolved, as per our telephone discussion.
Capitec Bank
Complaint Management
Kindly note the matter has been resolved, as per our telephone discussion.
Capitec Bank
Complaint Management
Capitec Bank's reply05 May 2020, 11:24
Official
Good day Mr Sebela
Kindly note the matter has been resolved, as per our telephone discussion.
Capitec Bank
Complaint Management
Kindly note the matter has been resolved, as per our telephone discussion.
Capitec Bank
Complaint Management
TS
Tshepo S's updateReviewer Update
05 May 2020, 11:29But I am not satisfied with your service, actually you did not solve the issue, you just let the issue to resolve itself because you just waited for the money to expire in the unprocessed folder ... if today was not the expiry date it means I was still gonna be struggling. i was penalized by other service providers because of you...
TS
Tshepo S's update05 May 2020, 11:29
Reviewer Update
But I am not satisfied with your service, actually you did not solve the issue, you just let the issue to resolve itself because you just waited for the money to expire in the unprocessed folder ... if today was not the expiry date it means I was still gonna be struggling. i was penalized by other service providers because of you...