*****ulent credit application and Unauthorized access to banking/credit profile

On Wednesday 25 March at 13:15 I went to a Capitec Branch in Goldman Street, Florida only to inquire on how to go about replacing my green ID book with a new smart card ID.

To my surprise after I left the branch I received an email that read “Thank you for applying for credit with us. After careful consideration, we can’t approve your recent credit application.” This was extremely surprising as I did not ask for or apply for any credit with Capitec Bank. Furthermore what shocked me is the reason for that “application” not being approved which was stated as “We are unable to offer any additional credit at this time as you've been handed over to an external debt collector fot non-payment on one or more of your Capitec accounts.” This is also surprising because this debt is over 9 years old and arrangements were made to have the same prescribed.

Because of the trouble Capitec took me through for declining my credit insurance when I lost my job those many years ago I vowed that I will never take any credit with Capitec and need to know why the lady that was assisting me attempted to take credit on my profile without my knowledge.

This is an extremely serious breach of banking confidentiality and ethics, I request that you confirm in writing that this "application" has been completely removed from my credit record including the prescribed debt that is over 9 years old. If Capitec Does Not Resolve This Satisfactorily, I will consider escalating further to the National Financial Ombudsman (NFO) and/or laying ******** charges with the SAPS for *****.