LM
Lindiwe M

1 reviews | Active since Mar 2023

28 Mar 2023, 12:42

undesirable practice

Unhappy with the service rendered from Capitec jabulani branch. ref escalations ***- On the 20th March 2023 I visited capitec branch jabulani and was assisted by Zama for a vehicle finance application for a business venture. Application was done processed and approved for R180k-I advised Zama that I am going to shop around and come back to finalise as I am shopping around for a vehicle- with the approval I went to an auction and paid R5000.00 deposit and bid a vehicle which is non-refundable-I called Zama on sunday afternoon as she had provided me her cell number and advised her that I want to conclude our deal and she said I should come in and do so. 27-03-2023 7 days later I go in and she tells me my application has been (declined) when I asked Zama why has my application declined she told me not all my debit orders were reflecting at the time of the application on the 20th March -I had provided Zama 3 months bank statement as requested all the debit orders where reflecting nothing changed from 20th March to 27th March with regards to my expenses. I told her that she has cost me R5000.00 with false hope and she just said she is sorry. I then contacted the branch and requested to speak to the manager Bulelwa and told her the whole story she advised that she will look into this and come back to me. later after 5pm she called back and told me that Zama told her that at the time she captured the application my debit orders where not reflecting (3 months bank statement provided reflecting all my debit order). They say my vehicle finance and home loan and tracker where not captured. these are my main debits ( how did she not capture these) why did she not advise me as per my expenses confirmation that she is not including these debit order. I was given false hope and made decisions and arrangements in my condition (pregnant and dealing chronic high blood pressure). only to come back and be told my debit orders where all not captured. How is this my fault as a client banking with capited that your consultant did not do the right thing. Today Bulelwa calls me and tells me the very same thing - she even told me that she will train all the staff going forward to consider client pay day and debit orders and I asked her will she be training her staff at my expenses when they where suppose to have been trained before I even sat and did the application. I trusted that who ever is assisting me they know what they are doing. I further asked her that if i took the loan on the 20th of march they would have given me a loan I do not qualify for? without proper debit order checks? It is not fair for me to loose R5000.00 because a staff could not do the right thing. this has caused me so much stress.

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Replies (1)
Capitec Bank
Capitec Bank's reply28 Mar 2023, 13:51
Official
Good day Lindiwe 

Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day. 

Kind regards 
Capitec Bank