Useless

<p>I have only been with Capitec for about a month and a half and already I can say it is the worst bank I have EVER been with. Simple queries are apparently rocket science.</p> <p> </p> <p>I app**** for a Personal loan which I was advised I qualify for. When I went in to process everything I was harassed to open up a credit card account as well which I declined (A few times). I was then told that I HAVE to have a credit facility on top of the loan which I did not want but was forced to open otherwise I could not get the Personal loan. The credit facility was only for about R1600 in case of emergency but the interest was ridiculously high. I got the facility (as I had no choice) even though this is against FCA regulations.</p> <p>When I opened my account they OFFERED to transfer all my debit orders over to Capitec (Both the internal ones and the External ones). I took leave to go into the branch on the 17/11/2016 to arrange this debit order transfer. I was told they will do all 3 (Internal Capitec 1, External Standard Bank 1 and 1 for a gym contract). It would take 7 working days. Come month end I got a gut feeling that it was not done and I phoned to find out. I phone the client care they advise they can only tell me if a debit order has already gone off or not (Big help that is - I can see that for myself) All I wanted to know was if the debit orders are set to come off my Capitec account or my other account - They can’t help me I must speak to the helpdesk - get transferred and they advise they can’t help me I must speak to Client service and I went back & forth between the 2 departments a few times before I gave up. My own bank can’t tell me if they did what the OFFERED to do, I had to phone my GYM to find out if the payment is set to come off Capitec or my other acc. Suprise Suprise its still set for my old account and I had already organised for my salary to come into capitec so there was NO funds in my old acc. Luckily I got my salary a day early and was able to transfer so that next day the debits could go off my old account. Standard bank went off no problems but my gym payment bounced as Capitec debited my Standard bank account with R28 for the credit facility I HAD to take out which I have not used causing me to be R6 short for my Gym Payment. This highly upset me not because of the money taken but because this affects my Credit score which I have worked very hard for. When I go into the branch to sort this **** out I am told that they cannot change over my external debits. This was never communicated with me, if they had told me I would have organised the debit changes with Standard bank and my gym myself, but they are the ones that OFFERED so Gallantly. They OFFERED a service they cannot provide which inconveniences me tremendously! Secondly they advised they would give me a call back to confirm that everything is sorted and im still waiting no call back was received.</p> <p><br /> </p> <p>This was done with and I let it go but then they ***** up again. My bonus comes (20/12/2016) and they decide to do whatever they want because apparently system means nothing to them and debit my account for their loan which is set to go off only on the last day of the month (I didn't know 20th was the last day of the month??)</p> <p> </p> <p>I Needed this money for an urgent purchase which I now missed out on- When I phone to reverse this I am told that I failed Security questions and I must come into the branch? Again inconvenienced even though I answered all questions correctly! I advised it was URGENT but that means nothing even though it was their ***** up.</p> <p>I have been inconvenienced by this bank again and again and it has only been a month and a half. What a terrible impression. I will be closing my account with them – Banks are suppose to aid their customers and be as user friendly as possible, so far it has been the biggest inconvenience and I am extremely dissatisfied.</p>