MM
Modiehi M
1 reviews | Active since Jul 2023
04 Dec 2025, 19:04
Unauthorized Policy, ******** Deduction & No Accountability – Extremely Disappointed
Good day,
Policy number: ***
I am writing this review to formally raise a serious complaint about Clientèle and the conduct of their consultant.
I recently discovered that R340 was deducted from my account without my consent, despite the fact that I had already warned the consultant and the company that I did not authorize any policy.
Last month, after receiving a message stating that a debit would go off, I immediately contacted them and sent the following message:
“Good morning, Kindly note that I did not open any policy with you. When I visited your consultant at Vaal Mall on Friday at around 15:30, they took all my details and informed me that they were only verifying my information in order to issue a voucher. At no point was I told that I was opening a policy. If any money is deducted from my account without my consent and without me agreeing to a policy, I will take the matter to Hello Peter immediately after the deduction. I was given false information in an attempt to register me as a client.”
Despite this very clear warning, Clientèle went ahead and *******ly deducted R340 from my account.
This situation raises serious concerns:
The consultant misrepresented the purpose of collecting my personal information.
I never gave consent to open any policy.
My previous complaint was ignored.
I was promised a callback within 24 hours and no one contacted me.
It is impossible to activate a funeral policy without beneficiary details, yet they still did so.
I already have an active contract ending in December 2025, which makes this even more suspicious.
This behaviour is not only unprofessional, but ********.
I am demanding the following immediately:
A full explanation of how a policy was opened without my consent.
An immediate refund of the R340 deducted.
Urgent cancellation of any *****ulently opened policy.
Written confirmation that no further deductions will be made.
If this matter is not resolved within 48 hours, I will escalate it to the Ombudsman for Long-Term Insurance and any other relevant regulatory bodies.
I expect urgent and professional feedback.
Helpful (0)
Replies (9)0
Replies (9)
Clientele Life's replyOfficial
04 Dec 2025, 21:01Dear Modiehi M,
We confirm receipt of the concerns raised and apologize for any inconvenience caused.
Your query has been escalated to the relevant department for investigation, and we will be in contact to assist.
Yours sincerely,
Market Conduct
We confirm receipt of the concerns raised and apologize for any inconvenience caused.
Your query has been escalated to the relevant department for investigation, and we will be in contact to assist.
Yours sincerely,
Market Conduct
Clientele Life's reply04 Dec 2025, 21:01
Official
Dear Modiehi M,
We confirm receipt of the concerns raised and apologize for any inconvenience caused.
Your query has been escalated to the relevant department for investigation, and we will be in contact to assist.
Yours sincerely,
Market Conduct
We confirm receipt of the concerns raised and apologize for any inconvenience caused.
Your query has been escalated to the relevant department for investigation, and we will be in contact to assist.
Yours sincerely,
Market Conduct
MM
Modiehi M's updateReviewer Update
06 Dec 2025, 14:46I would like to express my serious dissatisfaction with the way my queries have been handled. Since the 17th of November, every time I submit a complaint, I receive the exact same automated response from Clientèle:
“Dear Client,
We have allocated your outstanding query to an agent. This conversation will remain open for the next 24 hours and the allocated agent will be able to assist you during normal business hours.”
Despite this message, no one has contacted me, and nothing has been resolved.
On the 28th of November, money was deducted from my account, and even after I complained again on the same day, I received the same generic message with no follow-up from an actual agent.
This level of service is unacceptable. I have been patient, but my issue has been ignored for far too long. I urgently require a proper response and a clear resolution to my complaint.
“Dear Client,
We have allocated your outstanding query to an agent. This conversation will remain open for the next 24 hours and the allocated agent will be able to assist you during normal business hours.”
Despite this message, no one has contacted me, and nothing has been resolved.
On the 28th of November, money was deducted from my account, and even after I complained again on the same day, I received the same generic message with no follow-up from an actual agent.
This level of service is unacceptable. I have been patient, but my issue has been ignored for far too long. I urgently require a proper response and a clear resolution to my complaint.
MM
Modiehi M's update06 Dec 2025, 14:46
Reviewer Update
I would like to express my serious dissatisfaction with the way my queries have been handled. Since the 17th of November, every time I submit a complaint, I receive the exact same automated response from Clientèle:
“Dear Client,
We have allocated your outstanding query to an agent. This conversation will remain open for the next 24 hours and the allocated agent will be able to assist you during normal business hours.”
Despite this message, no one has contacted me, and nothing has been resolved.
On the 28th of November, money was deducted from my account, and even after I complained again on the same day, I received the same generic message with no follow-up from an actual agent.
This level of service is unacceptable. I have been patient, but my issue has been ignored for far too long. I urgently require a proper response and a clear resolution to my complaint.
“Dear Client,
We have allocated your outstanding query to an agent. This conversation will remain open for the next 24 hours and the allocated agent will be able to assist you during normal business hours.”
Despite this message, no one has contacted me, and nothing has been resolved.
On the 28th of November, money was deducted from my account, and even after I complained again on the same day, I received the same generic message with no follow-up from an actual agent.
This level of service is unacceptable. I have been patient, but my issue has been ignored for far too long. I urgently require a proper response and a clear resolution to my complaint.
Clientele Life's replyOfficial
08 Dec 2025, 08:05Dear Modiehi M,
We confirm receipt of the concerns raised and apologize for any inconvenience caused.
Your query has been escalated to the relevant department for investigation, and we will be in contact to assist.
Yours sincerely,
Market Conduct
We confirm receipt of the concerns raised and apologize for any inconvenience caused.
Your query has been escalated to the relevant department for investigation, and we will be in contact to assist.
Yours sincerely,
Market Conduct
Clientele Life's reply08 Dec 2025, 08:05
Official
Dear Modiehi M,
We confirm receipt of the concerns raised and apologize for any inconvenience caused.
Your query has been escalated to the relevant department for investigation, and we will be in contact to assist.
Yours sincerely,
Market Conduct
We confirm receipt of the concerns raised and apologize for any inconvenience caused.
Your query has been escalated to the relevant department for investigation, and we will be in contact to assist.
Yours sincerely,
Market Conduct
Clientele Life's replyOfficial
08 Dec 2025, 12:01Dear Modiehi M,
Thank you for raising your concerns and bringing this matter to our attention.
We confirm that our Market Conduct has investigated the contents of your complaint and Monica Ngubane has been in contact with you to provide the necessary feedback.
You requested to cancel the policy and the cancellation of the debit order process was confirmed.
The policy was still within a Cooling off period and the refund process was also explained to you.
Should you require further assistance please feel free to contact us.
Regards, Market Conduct
Thank you for raising your concerns and bringing this matter to our attention.
We confirm that our Market Conduct has investigated the contents of your complaint and Monica Ngubane has been in contact with you to provide the necessary feedback.
You requested to cancel the policy and the cancellation of the debit order process was confirmed.
The policy was still within a Cooling off period and the refund process was also explained to you.
Should you require further assistance please feel free to contact us.
Regards, Market Conduct
Clientele Life's reply08 Dec 2025, 12:01
Official
Dear Modiehi M,
Thank you for raising your concerns and bringing this matter to our attention.
We confirm that our Market Conduct has investigated the contents of your complaint and Monica Ngubane has been in contact with you to provide the necessary feedback.
You requested to cancel the policy and the cancellation of the debit order process was confirmed.
The policy was still within a Cooling off period and the refund process was also explained to you.
Should you require further assistance please feel free to contact us.
Regards, Market Conduct
Thank you for raising your concerns and bringing this matter to our attention.
We confirm that our Market Conduct has investigated the contents of your complaint and Monica Ngubane has been in contact with you to provide the necessary feedback.
You requested to cancel the policy and the cancellation of the debit order process was confirmed.
The policy was still within a Cooling off period and the refund process was also explained to you.
Should you require further assistance please feel free to contact us.
Regards, Market Conduct
MM
Modiehi M's updateReviewer Update
08 Dec 2025, 17:42This morning, I was contacted by Monica Ngubane from Clientele. I was genuinely pleased with the professional and unbiased manner in which she handled the call. She allowed me the opportunity to fully explain my side of the matter without any interruption or prejudice.
During the conversation, she asked whether I would grant permission for the policy to be cancelled. I confirmed my agreement, as this was a policy I had never consented to in the first place.
A short while later, I received written confirmation that the policy had been cancelled. The message from Clientele stated:
“Dear Valued Client, your plan has been cancelled as requested. Should you wish to reactivate, please contact Clientele on *** (134).”
I have also been informed that the refund will take up to 10 days to be processed. I will provide a further update once the refund reflects in my bank account.
During the conversation, she asked whether I would grant permission for the policy to be cancelled. I confirmed my agreement, as this was a policy I had never consented to in the first place.
A short while later, I received written confirmation that the policy had been cancelled. The message from Clientele stated:
“Dear Valued Client, your plan has been cancelled as requested. Should you wish to reactivate, please contact Clientele on *** (134).”
I have also been informed that the refund will take up to 10 days to be processed. I will provide a further update once the refund reflects in my bank account.
MM
Modiehi M's update08 Dec 2025, 17:42
Reviewer Update
This morning, I was contacted by Monica Ngubane from Clientele. I was genuinely pleased with the professional and unbiased manner in which she handled the call. She allowed me the opportunity to fully explain my side of the matter without any interruption or prejudice.
During the conversation, she asked whether I would grant permission for the policy to be cancelled. I confirmed my agreement, as this was a policy I had never consented to in the first place.
A short while later, I received written confirmation that the policy had been cancelled. The message from Clientele stated:
“Dear Valued Client, your plan has been cancelled as requested. Should you wish to reactivate, please contact Clientele on *** (134).”
I have also been informed that the refund will take up to 10 days to be processed. I will provide a further update once the refund reflects in my bank account.
During the conversation, she asked whether I would grant permission for the policy to be cancelled. I confirmed my agreement, as this was a policy I had never consented to in the first place.
A short while later, I received written confirmation that the policy had been cancelled. The message from Clientele stated:
“Dear Valued Client, your plan has been cancelled as requested. Should you wish to reactivate, please contact Clientele on *** (134).”
I have also been informed that the refund will take up to 10 days to be processed. I will provide a further update once the refund reflects in my bank account.
Clientele Life's replyOfficial
09 Dec 2025, 06:37Dear Modiehi M,
We value our client's input with regard to the quality of our service and appreciate the time taken to share your experience with us. We are glad that we could be of assistance. We take pride in rendering Superior Service to our clients.
We shall convey your compliment to the relevant management team whom we know will truly appreciate this positive feedback. Please do not hesitate to contact us should you have any further queries. Yours sincerely,
Market Conduct
We value our client's input with regard to the quality of our service and appreciate the time taken to share your experience with us. We are glad that we could be of assistance. We take pride in rendering Superior Service to our clients.
We shall convey your compliment to the relevant management team whom we know will truly appreciate this positive feedback. Please do not hesitate to contact us should you have any further queries. Yours sincerely,
Market Conduct
Clientele Life's reply09 Dec 2025, 06:37
Official
Dear Modiehi M,
We value our client's input with regard to the quality of our service and appreciate the time taken to share your experience with us. We are glad that we could be of assistance. We take pride in rendering Superior Service to our clients.
We shall convey your compliment to the relevant management team whom we know will truly appreciate this positive feedback. Please do not hesitate to contact us should you have any further queries. Yours sincerely,
Market Conduct
We value our client's input with regard to the quality of our service and appreciate the time taken to share your experience with us. We are glad that we could be of assistance. We take pride in rendering Superior Service to our clients.
We shall convey your compliment to the relevant management team whom we know will truly appreciate this positive feedback. Please do not hesitate to contact us should you have any further queries. Yours sincerely,
Market Conduct
MM
Modiehi M's updateReviewer Update
12 Dec 2025, 18:52Dear Peter,
I am writing to confirm that your clientele fulfilled their commitment. The funds have been successfully deposited into my bank account. Thank you for your assistance.
I am writing to confirm that your clientele fulfilled their commitment. The funds have been successfully deposited into my bank account. Thank you for your assistance.
MM
Modiehi M's update12 Dec 2025, 18:52
Reviewer Update
Dear Peter,
I am writing to confirm that your clientele fulfilled their commitment. The funds have been successfully deposited into my bank account. Thank you for your assistance.
I am writing to confirm that your clientele fulfilled their commitment. The funds have been successfully deposited into my bank account. Thank you for your assistance.
MM
Modiehi M's updateReviewer Update
12 Dec 2025, 18:54Hellopeter,
I am writing to confirm that your client fulfilled their commitment. The funds have been successfully deposited into my bank account. Thank you for your assistance.
I am writing to confirm that your client fulfilled their commitment. The funds have been successfully deposited into my bank account. Thank you for your assistance.
MM
Modiehi M's update12 Dec 2025, 18:54
Reviewer Update
Hellopeter,
I am writing to confirm that your client fulfilled their commitment. The funds have been successfully deposited into my bank account. Thank you for your assistance.
I am writing to confirm that your client fulfilled their commitment. The funds have been successfully deposited into my bank account. Thank you for your assistance.
Clientele Life's replyOfficial
17 Dec 2025, 09:44Dear Modiehi M,
We value our client's input with regard to the quality of our service and appreciate the time taken to share your experience with us. We are glad that we could be of assistance. We take pride in rendering Superior Service to our clients.
We shall convey your compliment to the relevant management team whom we know will truly appreciate this positive feedback. Please do not hesitate to contact us should you have any further queries. Yours sincerely,
Market Conduct
We value our client's input with regard to the quality of our service and appreciate the time taken to share your experience with us. We are glad that we could be of assistance. We take pride in rendering Superior Service to our clients.
We shall convey your compliment to the relevant management team whom we know will truly appreciate this positive feedback. Please do not hesitate to contact us should you have any further queries. Yours sincerely,
Market Conduct
Clientele Life's reply17 Dec 2025, 09:44
Official
Dear Modiehi M,
We value our client's input with regard to the quality of our service and appreciate the time taken to share your experience with us. We are glad that we could be of assistance. We take pride in rendering Superior Service to our clients.
We shall convey your compliment to the relevant management team whom we know will truly appreciate this positive feedback. Please do not hesitate to contact us should you have any further queries. Yours sincerely,
Market Conduct
We value our client's input with regard to the quality of our service and appreciate the time taken to share your experience with us. We are glad that we could be of assistance. We take pride in rendering Superior Service to our clients.
We shall convey your compliment to the relevant management team whom we know will truly appreciate this positive feedback. Please do not hesitate to contact us should you have any further queries. Yours sincerely,
Market Conduct