What else is this bank forcing people to do?

<p>Good Day </p> <p> </p> <p>Ironic that Capitec's latest advert campaign details how you should only agree upon what you </p> <p>have signed for. Instead of walking out with an entire trolley of goods not agreed upon, you </p> <p>should know what you have in your basket. </p> <p> </p> <p>I am now stuck with exactly that dilemma. Having an account for which I did not sign up for, </p> <p>nor have ANY record of owning or using, wherein monies have been reversed to and now I do not</p> <p> have ANY access or method of retrieving without me having to sign up in order to get them back, </p> <p>and ultimately putting a loan in arrears of which I now pay more interest on... </p> <p> </p> <p>I am originally an FNB account holder. I took a loan out with Capitec. </p> <p> </p> <p>On the 31st of January, I was double debited by Capitec. </p> <p>I contacted Capitec to please correct this and reverse the one deduction. </p> <p>And of course, they did... </p> <p>I waited to see whether the monies will reflect in my FNB account, as I needed to pay my </p> <p>car debit. And they never did... </p> <p>JUST to find out that these monies were not reversed back into my FNB </p> <p>account, but instead was reversed into a Capitec Savings Account, of which I have no proof </p> <p>of signing, no document showing that I am the owner, nor do I own a card to give me access </p> <p>to this account. I tried to explain this over and over to MANY "Agent : Direct Loan (Central Credit Collections)" and none of them could give me an explanation, except to go to a branch.</p> <p> </p> <p>Now, of course, I have to take time off from work to do this. </p> <p> </p> <p>At the branch, when my I.D. number is entered, NOT ONE SINGLE EVIDENCE that I have business with Capitec surfaces. </p> <p>Not one single trace. And when I tell them that I took the Loan out over the phone with "Direct Lending"... (also an advert) ...the branch said I would have to take it up with Direct Lending. FINE... But, I was now informed that I can also dispute the second deduction via FNB. </p> <p> </p> <p>Which I did... FNB without any hassle disputed the second deduction and my monies </p> <p>were transferred back into my FNB account. </p> <p> </p> <p>But now, I received an sms stating that my Loan is now in arrears. </p> <p> </p> <p>I realized that FNB doesn't have any record of this so called Capitec Savings Account, so from which account should they then dispute the transaction? THE LOAN ACCOUNT OF COURSE... </p> <p> </p> <p>Well now, having a more clearer image of what has happened. </p> <p> </p> <p>I did not know that Capitec reversed the monies into a Capitec Savings Account, because I did not know it even existed. And every time I tried to explain this to someone at Capitec, they tell me it is opened automatically... And I KEEP TELLING THEM I DID NOT WANT IT.... Where can they </p> <p>show that I signed for it, as for every single contract that I ever had with Capitec it only shows </p> <p>the Loan Account number. </p> <p> </p> <p>NOW I AM BEING COERCED INTO OPENING A CAPITEC ACCOUNT IN ORDER TO GET MY MONEY BACK AS I AM NOW TOLD MONEY CAN ONLY GO IN, AND IT CAN NOT COME OUT UNLESS YOU ACTIVATE THE ACCOUNT WITH PROOF OF RESIDENCE AND I.D. BOOK. </p> <p>This was not my mistake. This was clearly Capitec for double debiting me. </p> <p>I do not want an account, I only have a loan. Why wasn't this clearly stated in the first place? </p> <p> </p> <p>Now my loan account is in arrears, I now pay more interest on it, so Capitec is benefiting </p> <p>from their error and profiting. </p> <p> </p> <p>So, according to my records, Capitec have reversed monies into a dummy account, as I am not </p> <p>aware of it's existence. Who says that you are not gaining interest from that? </p> <p>I am now being coerced into signing up in order to get that money back... </p> <p>I phoned on the 27th of February 2017 and asked the number for that Savings Account as maybe I missed it somewhere in any document I signed. I do not have this account number... </p> <p> </p> <p>All I am asking is to pay the money back into the Loan Account, fix the amount on which I am </p> <p>paying every month, as this was not my mistake, for if I ever chose to double debit myself, I would do at my own regard. And close that so called Capitec Savings Account before it causes </p> <p>any more damage.</p> <p> </p> <p>Thank you.</p> <p> </p>