JM
JJ M
1 reviews | Active since Jul 2011
19 Jan 2025, 19:52
Red warning on app that my loan account is in arrears when I never missed even one payment ever
I am soooo fed up and disgusted with Capitec doing the same thing over and over month for months in accusing me my account in unpaid and overdue when my account is paid every month and I never skipped one payment!
Today is Sunday 19 January and a red exclamation message appeared on my Capitec app stating the following:
Your account is overdue
You owe R3 371.21 on your Term Loan. We understand that this happens, and we want to help. See your available options with no need to call or visit a branch.
Let us help you
I want to ask you, to dare you... Show me and explain when and where my account became arrears by one full payment?
I dare you show me! Prove this!
I am so fed up I want to throw up when I see Capitec logo!
People please read this and never, ever take a loan with Capitec - they will accuse you, take arrears interest when you're not in arrears and promise this wont happen again but it will continue every month despite complaints and branch visits and any other complaints like this one. Just see my complaint history here on hello Peter about the same thing and every time they apologise and promise it won't happen again... Which means nothing because it does. Capitec is untruthful and dishonest.
I am so fed up with their promises
Pleas send me an email and show me why you claim I am in arrears - prove it to me!!
Helpful (0)
Replies (2)0
Replies (2)JM
JJ M's updateReviewer Update
21 Jan 2025, 00:00No answer from Capitec. I suppose they are tired of apologising and making empty false promises month after months of the same complaint of the same problem!!!!
People DO NOT EVER get a personal loan from Capitec! You will regret it for years like me!
Every month they give red alert warnings on my app that I in arrears and didn't pay when I'm NOT!
Then they will take ******* arrears interests.
They I must complain and beg before they fix it.
Then they promise it won't happen again.
Bit it DOES! Every month!
I need a proper explanation now WHY this continues to happen!
Answer this;
How can I be in arrears two days before the debit order is even supposed to go off??? And my previous payment was also paid in time?
Answer this:
Did I EVER skip even one payment? Was my account EVER in arrears?
How can I be in arrears before my payment date?
This is ridiculously ***********. I have had enough hello Peter complaints now!
I demand your CEO's contact details NOW! I don't want to speak to people who makes empty apologies and false promises EVERY month here on hellopeter!
Again:Your account is overdue
You owe R3 371.21 on your Term Loan. We understand that this happens, and we want to help. See your available options with no need to call or visit a branch.
Let us help you
Account number
***
Next payment
R3 371.21
This two days before my agreed debit order date. 2 days before my pay date.
I'm Fed up with apologies and promises but the same thing happens EVERY month now!
Dispite your promises it won't happen again. How long is this going on now!
This false accusations must stop!
Sunday 19 January red exclamation marks on my app saying I did not pay.
HOW CAN I BE IN ARREARS IN SUNDAY 19 JANUARY????.
EXPLAIN THIS TO ME!!! MY DECEMBER PAYMENT WAS PAID, JUST LIKE EVERY OTHER MONTH! JANUARY PAYMENT IS YET TO COME:
21 JANUARY AS PER AGREED DEBIT ORDER AGREEMENT!!!!
TWO DAYS NOW MY ACCOUNT SHOWS ARREARS!!!
EXPLAIN!
EXPLAIN!
EXPLAIN....
. BOW IS IT POSSIBLE THAT I AM IN ARREARS SINCE THE 19TH OF JANUARY???
THIS IS CRIMEN INJURIA!
I AM TOTALLY FED UP Now!
AND AGAIN YOU'LL ADD YOUR ARREARS INTEREST EVEN THOUGH MY ACCOUNT IS NOT - IS NOT - IS NOT IN ARREARS!!!!
People DO NOT EVER get a personal loan from Capitec! You will regret it for years like me!
Every month they give red alert warnings on my app that I in arrears and didn't pay when I'm NOT!
Then they will take ******* arrears interests.
They I must complain and beg before they fix it.
Then they promise it won't happen again.
Bit it DOES! Every month!
I need a proper explanation now WHY this continues to happen!
Answer this;
How can I be in arrears two days before the debit order is even supposed to go off??? And my previous payment was also paid in time?
Answer this:
Did I EVER skip even one payment? Was my account EVER in arrears?
How can I be in arrears before my payment date?
This is ridiculously ***********. I have had enough hello Peter complaints now!
I demand your CEO's contact details NOW! I don't want to speak to people who makes empty apologies and false promises EVERY month here on hellopeter!
Again:Your account is overdue
You owe R3 371.21 on your Term Loan. We understand that this happens, and we want to help. See your available options with no need to call or visit a branch.
Let us help you
Account number
***
Next payment
R3 371.21
This two days before my agreed debit order date. 2 days before my pay date.
I'm Fed up with apologies and promises but the same thing happens EVERY month now!
Dispite your promises it won't happen again. How long is this going on now!
This false accusations must stop!
Sunday 19 January red exclamation marks on my app saying I did not pay.
HOW CAN I BE IN ARREARS IN SUNDAY 19 JANUARY????.
EXPLAIN THIS TO ME!!! MY DECEMBER PAYMENT WAS PAID, JUST LIKE EVERY OTHER MONTH! JANUARY PAYMENT IS YET TO COME:
21 JANUARY AS PER AGREED DEBIT ORDER AGREEMENT!!!!
TWO DAYS NOW MY ACCOUNT SHOWS ARREARS!!!
EXPLAIN!
EXPLAIN!
EXPLAIN....
. BOW IS IT POSSIBLE THAT I AM IN ARREARS SINCE THE 19TH OF JANUARY???
THIS IS CRIMEN INJURIA!
I AM TOTALLY FED UP Now!
AND AGAIN YOU'LL ADD YOUR ARREARS INTEREST EVEN THOUGH MY ACCOUNT IS NOT - IS NOT - IS NOT IN ARREARS!!!!
JM
JJ M's update21 Jan 2025, 00:00
Reviewer Update
No answer from Capitec. I suppose they are tired of apologising and making empty false promises month after months of the same complaint of the same problem!!!!
People DO NOT EVER get a personal loan from Capitec! You will regret it for years like me!
Every month they give red alert warnings on my app that I in arrears and didn't pay when I'm NOT!
Then they will take ******* arrears interests.
They I must complain and beg before they fix it.
Then they promise it won't happen again.
Bit it DOES! Every month!
I need a proper explanation now WHY this continues to happen!
Answer this;
How can I be in arrears two days before the debit order is even supposed to go off??? And my previous payment was also paid in time?
Answer this:
Did I EVER skip even one payment? Was my account EVER in arrears?
How can I be in arrears before my payment date?
This is ridiculously ***********. I have had enough hello Peter complaints now!
I demand your CEO's contact details NOW! I don't want to speak to people who makes empty apologies and false promises EVERY month here on hellopeter!
Again:Your account is overdue
You owe R3 371.21 on your Term Loan. We understand that this happens, and we want to help. See your available options with no need to call or visit a branch.
Let us help you
Account number
***
Next payment
R3 371.21
This two days before my agreed debit order date. 2 days before my pay date.
I'm Fed up with apologies and promises but the same thing happens EVERY month now!
Dispite your promises it won't happen again. How long is this going on now!
This false accusations must stop!
Sunday 19 January red exclamation marks on my app saying I did not pay.
HOW CAN I BE IN ARREARS IN SUNDAY 19 JANUARY????.
EXPLAIN THIS TO ME!!! MY DECEMBER PAYMENT WAS PAID, JUST LIKE EVERY OTHER MONTH! JANUARY PAYMENT IS YET TO COME:
21 JANUARY AS PER AGREED DEBIT ORDER AGREEMENT!!!!
TWO DAYS NOW MY ACCOUNT SHOWS ARREARS!!!
EXPLAIN!
EXPLAIN!
EXPLAIN....
. BOW IS IT POSSIBLE THAT I AM IN ARREARS SINCE THE 19TH OF JANUARY???
THIS IS CRIMEN INJURIA!
I AM TOTALLY FED UP Now!
AND AGAIN YOU'LL ADD YOUR ARREARS INTEREST EVEN THOUGH MY ACCOUNT IS NOT - IS NOT - IS NOT IN ARREARS!!!!
People DO NOT EVER get a personal loan from Capitec! You will regret it for years like me!
Every month they give red alert warnings on my app that I in arrears and didn't pay when I'm NOT!
Then they will take ******* arrears interests.
They I must complain and beg before they fix it.
Then they promise it won't happen again.
Bit it DOES! Every month!
I need a proper explanation now WHY this continues to happen!
Answer this;
How can I be in arrears two days before the debit order is even supposed to go off??? And my previous payment was also paid in time?
Answer this:
Did I EVER skip even one payment? Was my account EVER in arrears?
How can I be in arrears before my payment date?
This is ridiculously ***********. I have had enough hello Peter complaints now!
I demand your CEO's contact details NOW! I don't want to speak to people who makes empty apologies and false promises EVERY month here on hellopeter!
Again:Your account is overdue
You owe R3 371.21 on your Term Loan. We understand that this happens, and we want to help. See your available options with no need to call or visit a branch.
Let us help you
Account number
***
Next payment
R3 371.21
This two days before my agreed debit order date. 2 days before my pay date.
I'm Fed up with apologies and promises but the same thing happens EVERY month now!
Dispite your promises it won't happen again. How long is this going on now!
This false accusations must stop!
Sunday 19 January red exclamation marks on my app saying I did not pay.
HOW CAN I BE IN ARREARS IN SUNDAY 19 JANUARY????.
EXPLAIN THIS TO ME!!! MY DECEMBER PAYMENT WAS PAID, JUST LIKE EVERY OTHER MONTH! JANUARY PAYMENT IS YET TO COME:
21 JANUARY AS PER AGREED DEBIT ORDER AGREEMENT!!!!
TWO DAYS NOW MY ACCOUNT SHOWS ARREARS!!!
EXPLAIN!
EXPLAIN!
EXPLAIN....
. BOW IS IT POSSIBLE THAT I AM IN ARREARS SINCE THE 19TH OF JANUARY???
THIS IS CRIMEN INJURIA!
I AM TOTALLY FED UP Now!
AND AGAIN YOU'LL ADD YOUR ARREARS INTEREST EVEN THOUGH MY ACCOUNT IS NOT - IS NOT - IS NOT IN ARREARS!!!!
JM
JJ M's updateReviewer Update
24 Jan 2025, 12:31Nothing....
The red arrears warning on the app is gone now but still no explanation why you tired to take the money on the 17th, why you claimed I failed to pay and why you claimed I was in arrears.
Also no explanation why this keeps re occurring nearly every month and what will be done to stop this madness.
Furthermore there's different arrears interests added to my account that was never in arrears. Not rectified.
In December there was some are interest rectification but soon after it was added again.
Doe you do this to all your personal loan clients?
I suppose it's a massive amount of extra money generated by the small amount of are interest you add to everyone's account in amounts so small that people doesn't notice it....
Lot of money that is gathered in a ***** way.
I once again request your CEO contact details as I want to discuss the matter with him as this is truly unacceptable.
The red arrears warning on the app is gone now but still no explanation why you tired to take the money on the 17th, why you claimed I failed to pay and why you claimed I was in arrears.
Also no explanation why this keeps re occurring nearly every month and what will be done to stop this madness.
Furthermore there's different arrears interests added to my account that was never in arrears. Not rectified.
In December there was some are interest rectification but soon after it was added again.
Doe you do this to all your personal loan clients?
I suppose it's a massive amount of extra money generated by the small amount of are interest you add to everyone's account in amounts so small that people doesn't notice it....
Lot of money that is gathered in a ***** way.
I once again request your CEO contact details as I want to discuss the matter with him as this is truly unacceptable.
JM
JJ M's update24 Jan 2025, 12:31
Reviewer Update
Nothing....
The red arrears warning on the app is gone now but still no explanation why you tired to take the money on the 17th, why you claimed I failed to pay and why you claimed I was in arrears.
Also no explanation why this keeps re occurring nearly every month and what will be done to stop this madness.
Furthermore there's different arrears interests added to my account that was never in arrears. Not rectified.
In December there was some are interest rectification but soon after it was added again.
Doe you do this to all your personal loan clients?
I suppose it's a massive amount of extra money generated by the small amount of are interest you add to everyone's account in amounts so small that people doesn't notice it....
Lot of money that is gathered in a ***** way.
I once again request your CEO contact details as I want to discuss the matter with him as this is truly unacceptable.
The red arrears warning on the app is gone now but still no explanation why you tired to take the money on the 17th, why you claimed I failed to pay and why you claimed I was in arrears.
Also no explanation why this keeps re occurring nearly every month and what will be done to stop this madness.
Furthermore there's different arrears interests added to my account that was never in arrears. Not rectified.
In December there was some are interest rectification but soon after it was added again.
Doe you do this to all your personal loan clients?
I suppose it's a massive amount of extra money generated by the small amount of are interest you add to everyone's account in amounts so small that people doesn't notice it....
Lot of money that is gathered in a ***** way.
I once again request your CEO contact details as I want to discuss the matter with him as this is truly unacceptable.