NN
Nolan N
1 reviews | Active since Apr 2020
22 Apr 2020, 07:29
Unfair blacklisting
I was unfairly blacklist because my loan insurance did not pay out as promised by Capitec Bank my loan was all ways paid upto date but when I was retrenched from work I was told the the insurance will cover after submitting all necessary documents they still tried to take out the normal amount got no held just the run around by bank stuff will not any to go with the bank
Helpful (0)
Replies (3)0
Replies (3)Capitec Bank's replyOfficial
22 Apr 2020, 09:56I 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 reply22 Apr 2020, 09:56
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
NN
Kindly Regards,
Nolan N's updateReviewer Update
10 Dec 2020, 16:19I'm still waiting for feedback till today (8 months later) I have emailed in the CEO as this has caused me emotional distress.
Please see email to CEO below :
Good Day,
Please see email to CEO below :
Good Day,
Hope you well.
I'm am currently extremely unhappy at the atrocious service that have received at your bank
I have been with Capitec Bank for well over 6 years and to be treated this way I feel is unjustified and I will be escalating this further if it cannot be resolved.
In August 2019 I became redundant
I had a loan and a credit card with your bank I visited my local branch and explain my situation to 1 of your tellers at Capitec Verulam who was extremely helpful and informed me I needed to full in some forms and my credit card and loan will be covered by the insurance that was included in the cover that I have been paying for religiously.
I had a loan and a credit card with your bank I visited my local branch and explain my situation to 1 of your tellers at Capitec Verulam who was extremely helpful and informed me I needed to full in some forms and my credit card and loan will be covered by the insurance that was included in the cover that I have been paying for religiously.
My loan and credit card had no outstanding payments at the time, so I did qualify for the above cover. I was called twice after I submitted the forms to inform me that I needed to pay the outstanding amount for both the account for a 3 or 4 months till the insurance process takes place I then went into the bank and explained to them if that is kind of a stupid process because I pay the full installation for the next 4 months the loan will be cleared and that I'm not currently able to make the payment and I'm currently unemployed.
At the bank they called the credit department I spoke to and agent and explained the situation (That it didn't make any sense my balance was around R7000 and my installment was around R2000 if I paid my installment for the next 4 months I will paid my loan off) the agent said that I can make a part payment for the month which I agreed and made payments I was under the impression I was for 1 month the next month I got a call again.
After 3 or 4 months I went to the down to my local branch again and explained I can not make payment as I am unable to make payment due to my financial situation and I was going to lose my house, they called the credit department and I explained the situation again to agent on the phone line who seems to be a bit heartless and did not seem to understand what it meant make a decision between feeding one's family and paying bank, the agent did not seem to care, after a lengthy discussion back and forwarded I was told that it would be escalate future and I would be contact by a manager if the matter was not resolved, to be honest it was such a traumatic call I was not sure how it ended, I was tormented after the call and even attempted to take my own life and had to go for psychiatric counseling at a local church but I chose to forgave the agent and not to report the matter.
I was under the impression the matter was resolved because I didn't hear anything further correspondence and I was not to the correct mental state to do a follow up.
Recently I have been receiving Texts to inform of my credit card outstanding payment and I then decided to look into my credit profile ( screen shot attached) only to find out that under my name I currently listed as bad payer your company updated the credit card and loan payments as default on my credit profile.
THIS IS TOTAL UNJUSTIFIED AND I WILL BE ESCALATING THIS TO THE FINANCIAL OMBUDSMAN IF THIS MATTER NOT RESOLVED WITHIN THIS MONTH, I WILL ALSO BE UPDATING MY SOCIAL MEDIA ABOUT THE SERVICE I RECEIVED IF NOT RESOLVED.
IF YOU UNABLE TO ASSIST PLEASE ESCALANTE TO THE CEO,s COMPLAINT DEPARTMENT I HAVE CC THE CEO, OFFICE AS I HAVE LOST FAITH IN CAPITEC BANK THE LAST TIME I WAS IN CONTACT WITH YOUR BANK I WAS PROMISED A CALL BACK FROM A MANGER WHICH DID NOT HAPPEN. I WILL ALSO BE FORWARDING A COPY OF THIS MESSAGE TO THE HELLO PETER WEBSITE TO HELP OTHERS IN MY SITUATION.
I am willing to take partially blame for the credit card and make arrangements for payments towards it but not the loan.
Hope we can come to a resolution soon as I want to put my life back in order and not drag your company name though the mud for cause me so much emotional distress.
Kindly Regards,
NN
Nolan N's update10 Dec 2020, 16:19
Reviewer Update
I'm still waiting for feedback till today (8 months later) I have emailed in the CEO as this has caused me emotional distress.
Please see email to CEO below :
Good Day,
Please see email to CEO below :
Good Day,
Hope you well.
I'm am currently extremely unhappy at the atrocious service that have received at your bank
I have been with Capitec Bank for well over 6 years and to be treated this way I feel is unjustified and I will be escalating this further if it cannot be resolved.
In August 2019 I became redundant
I had a loan and a credit card with your bank I visited my local branch and explain my situation to 1 of your tellers at Capitec Verulam who was extremely helpful and informed me I needed to full in some forms and my credit card and loan will be covered by the insurance that was included in the cover that I have been paying for religiously.
I had a loan and a credit card with your bank I visited my local branch and explain my situation to 1 of your tellers at Capitec Verulam who was extremely helpful and informed me I needed to full in some forms and my credit card and loan will be covered by the insurance that was included in the cover that I have been paying for religiously.
My loan and credit card had no outstanding payments at the time, so I did qualify for the above cover. I was called twice after I submitted the forms to inform me that I needed to pay the outstanding amount for both the account for a 3 or 4 months till the insurance process takes place I then went into the bank and explained to them if that is kind of a stupid process because I pay the full installation for the next 4 months the loan will be cleared and that I'm not currently able to make the payment and I'm currently unemployed.
At the bank they called the credit department I spoke to and agent and explained the situation (That it didn't make any sense my balance was around R7000 and my installment was around R2000 if I paid my installment for the next 4 months I will paid my loan off) the agent said that I can make a part payment for the month which I agreed and made payments I was under the impression I was for 1 month the next month I got a call again.
After 3 or 4 months I went to the down to my local branch again and explained I can not make payment as I am unable to make payment due to my financial situation and I was going to lose my house, they called the credit department and I explained the situation again to agent on the phone line who seems to be a bit heartless and did not seem to understand what it meant make a decision between feeding one's family and paying bank, the agent did not seem to care, after a lengthy discussion back and forwarded I was told that it would be escalate future and I would be contact by a manager if the matter was not resolved, to be honest it was such a traumatic call I was not sure how it ended, I was tormented after the call and even attempted to take my own life and had to go for psychiatric counseling at a local church but I chose to forgave the agent and not to report the matter.
I was under the impression the matter was resolved because I didn't hear anything further correspondence and I was not to the correct mental state to do a follow up.
Recently I have been receiving Texts to inform of my credit card outstanding payment and I then decided to look into my credit profile ( screen shot attached) only to find out that under my name I currently listed as bad payer your company updated the credit card and loan payments as default on my credit profile.
THIS IS TOTAL UNJUSTIFIED AND I WILL BE ESCALATING THIS TO THE FINANCIAL OMBUDSMAN IF THIS MATTER NOT RESOLVED WITHIN THIS MONTH, I WILL ALSO BE UPDATING MY SOCIAL MEDIA ABOUT THE SERVICE I RECEIVED IF NOT RESOLVED.
IF YOU UNABLE TO ASSIST PLEASE ESCALANTE TO THE CEO,s COMPLAINT DEPARTMENT I HAVE CC THE CEO, OFFICE AS I HAVE LOST FAITH IN CAPITEC BANK THE LAST TIME I WAS IN CONTACT WITH YOUR BANK I WAS PROMISED A CALL BACK FROM A MANGER WHICH DID NOT HAPPEN. I WILL ALSO BE FORWARDING A COPY OF THIS MESSAGE TO THE HELLO PETER WEBSITE TO HELP OTHERS IN MY SITUATION.
I am willing to take partially blame for the credit card and make arrangements for payments towards it but not the loan.
Hope we can come to a resolution soon as I want to put my life back in order and not drag your company name though the mud for cause me so much emotional distress.
Kindly Regards,
Capitec Bank's replyOfficial
10 Dec 2020, 16:36Good day Nolan
We acknowledge receipt of your complaint and have assigned your matter to a designated official.
You will receive further contact within the next business day.
Kind regards
Capitec Bank
We acknowledge receipt of your complaint and have assigned your matter to a designated official.
You will receive further contact within the next business day.
Kind regards
Capitec Bank
Capitec Bank's reply10 Dec 2020, 16:36
Official
Good day Nolan
We acknowledge receipt of your complaint and have assigned your matter to a designated official.
You will receive further contact within the next business day.
Kind regards
Capitec Bank
We acknowledge receipt of your complaint and have assigned your matter to a designated official.
You will receive further contact within the next business day.
Kind regards
Capitec Bank
