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Gloria D

1 reviews | Active since Feb 2018

10 Feb 2022, 01:38

BE AWARE OF MAKRO CROWN MINES ********** PURCHASES AND USELESS SO-CALLED RISK MANAGER

After much thought I decided to open a Credit Card at Makro and Builders Warehouse. After Makro credit card application, I was told they alsi work with Builders, which best suited my goals. On 28 Jan 2022, my intention was just to ask for info regarding credit application at Makro Crownmines/Main Reef area but their friendly staff member was very helpful and requested just my ID number to check if I qualified. After providing my personal details to her at, she informef me hat I had been pre-approved and they needef either my 3months bank statement or Payslips for the past 3 months. I sent the statement as soon as I arrived home later that day. Few minutes later I was notified through DMS and Emsil that my application was successful and I had to collect my card immediately, not knowing my worst nightmare would start in few days. I collected the card same day (28 Jan 2022) and the next day on 29 Jan 2022, I purchased essential items at 13h28 valued at R2827.50 and the balance was R27165.00. On 05 Feb 2022, I purchased items at 16h39 valued at R1734.50. As I was rushing through the previous day, I then went back to the store the next day on 06 Feb 2022 to buy the outstanding items at 13h00 valued at R1072.90. The closing available balance was R24358.00 and that was the last time I used my Makro Credit Card. On 09 Feb 2022, after a very hectic day with back to back online Meetings I got a shock of my life. Some ********** made a purchase of R19550.66 at Pick 'n Pay and the balance was R4807.00. At first I thought I thought it was a delayed message from my last purchase. After realizing what had just happened...*****...I then drove from Doornfontein to Makro Crown Mines where I opened the Account. Allow me to say, Makro Store there has the most eartless, useless and *********** staff and managers one can come across. From around 18h00, a couple of those useless bunch kept on going from pillar to post until I raised my voice and demanded to see their relevant senior manager. Geezer...I do not know how that man ended up occupying that position. Anyway that so-called Risk Manager hid himself in his office for quite sometime until I made it clear that I wasn't leaving without assistance or else I was gonna sleep inside that Makro Store. He tried passing the bug to his junior managers but in front of me they both indicated that "my case was bigger than them and that so-called Risk Manager was the only one to know what to do. After failing to explain how their ***** Procedure works, the old useless Risk Manager called ADT security on me in the pretence of calling the police to open a ***** Case. I WASN'T shaken NOR moved. His stupidity was evident when he sent one of the staff members to inform me that the store was closed and I needed to vacate the store. I dismissed that poor staff member who was merely folloeing orders to get lost and I told him in so many words that, I would never leave the store without that so-called Risk Manager prividing feedback and a way-forward. Fortunately my younger brother and my daughter came, and they were refused entry. After some persuasion from that useless bunch I decided to follow them to the Staff Exit, where i found my family waiting. We were consistent with our story,cwe were not leaving the store without satisfactory response. After more pressure that useless Risk Manager called a "Zack Nkosi" who was sent obviously to diffuse the situation. Even after requesting him to converse in vernacular, he still battled with the English Accent but at least he managed to convince me to meet him the next morning around 08h15 at Makro Crownmines where he was based in order to address my ***** Case. Oh and he refused to give us his contacts and said if he was not around we should look for "a certain lady colleague". That really infuriated me and decided to give him benefit if doubt until tomorrow, nony younger brother's birthday. What I hated about all these characters was the way they were so cold and casual about that whole ***** Incident, whereas they were all smiles when they sold their Crefit Card to a Potential 9Client (Me). As I'm writing this I'm meeting them first thing in the morning. WHAT IS SHOCKING IS THAT I HAD MY CARDS AND PERSONAL DOCS WITH ME ALL THE TIME...AND I STRONGLY SUSPECT "INSIDE JOB". I mean I never even knew ONE can use a Makro Card at Pick 'n Pay. I only knew about Game and Builders stores. These useless people better bring my account to normal or take their ****** credit card back. BE WARNED....PLAY FAR AWAY FROM MAKRO CROWNMINES CREFIT CARD SPINELESS ******...USELESS!!!

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Replies (2)
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Gloria D's update11 Mar 2022, 21:08
Reviewer Update
DEAR PUBLIC

PLEASE STAY AWAY FROM MAKRO RCS BIG **********…INSIDE JOB SUSPECTED!!!

PROGRESS UPDATE SINCE MY COMPLAINT ABOVE. THEY ARE BUSY DEMANDING INSTALMENTS AND PUT MY ACCOUNT ON ARREARS WHILE ***** WAS REPORTED TO THE THEM. I WILL NOT PAY ANY CENT TO MAKRO RCS ACCOUNT SINCE THEIR STATEMENTS HAVE FALSE AND INACCURATE INFORMATION. I WILL ONLY PAY AFTER THAT ******** CASE IS DEALT WITH ACCORDING AND ********** ARE EXPOSED. I am aggravated and very frustrated with Makro RCS as I am writing this. Since I reported a ********** Activity off my account above physically on 09 & 10 February 2022, little interest is being shown to my case by Makro RCS. As per their email today, 11 March 2022, 07:20 From RCS. *** and letter attached, my “current balance” is R5, 747.03, placing “my account” in arrears. The arrears and the instalment amount to R1,949.06. At 16H42, I received an SMS from +***, Friday, 11 March 2022 reading thus,”MS G PINKY DISEMELO. Your MAKRO acc is Overdue and in Collections. Pay R1949.06 today. Pay via Easypay nbr ***. Call *** Ref ***4”.
BACKGROUND: I sent my Makro RCS Complaint to ***; ***; ***; Crown Mines Credit ***; ***; ***; ***; *** and copied ***; ***; ***; *** Since this is an urgent matter which was reported formally as above, I requested them to prioritise the issue and I gave them 5-working days to respond with a solution. Progress to date: 20 Feb 2022, 10:19, “As previously communicated with you that the investigation takes up to 21 working days to be concluded. For further assistance/ follow up please call our ***** dept ***). PS (Initials) (Makro) 20 Feb 2022,13:29 “…please be advised that your query has been escalated to the relevant department for further assistance for further assistance. We will revert to you as soon as we receive feedback. Alternatively you can contact the Makro Credit division on the below: RCS call centre: ***, RCS Email address: *** 21 Feb 2022, 13:57 ombud (***, copied fg…***, “We have forwarded your email to Ms FG at our call centre who will be in contact with you to get additional information and to log a complaint for you. It will then be allocated to case manager for investigation. Further communication will follow upon receipt of a reply from the Credit provider From DG Credit Ombud. 22 Feb 2022, 10:07 Complaint. *** – “We herewith acknowledge receipt of your complaint. Your complaint reference number is ACT-12…..0. We have escalated the complaint to the relevant department for further assistance. Should you have any additional enquiries please do not hesitate to contact our Customer Service Department telephonically on ***or via email: *** 21 Feb 2022, 11:41 *** NM (Case Admin), “Kindly be advised that this office lacks jurisdiction to entertain this complaint as it does not relate to rendering of a financial service in terms of the Financial Advisory and Intermediary Services Act 37 of 2002. Northwithstanding this, and in accordance with our commitment to promote consumer protection, we have forwarded your complaint to the National Credit Regulator. The contact person and details are: MM, Tel: 011554…., Fax: 011554….. You can expect to hear from them. 24 Feb 2022, 13:49 I sent all the required information and supporting documents both telephonically and through email to SM creditombud.org.za 24 Feb 2022 14:13 from above recipient, “Thank You. Documents received and attached to your complaint. We will revert as soon as we receive feedback from creditor. 11 March 2022 07:20 From RCS ***, reply to RCS *** Email requesting me to find correspondence dated March 2022, attached to this email….. On the Attached Letter bearing my Names, an Account No and Balance of R25747.03, “…Noted that your recent payment has not been received yet, placing your account in arrears. The arrears and the instalment amount to R1949.06. I am rejecting this statement, just like the first one after ********** Activity was carried out off my account. 11 March 2022 16:42 +***, “MS G PINKY DISEMELO. Your MAKRO acc is Overdue and in Collections. Pay R1949.06 today. Pay via Easypay nbr ***…..Call *** Ref 348….4”. *** - I WILL NEVER REST, I WILL KEEP EXPOSING RCS MAKRO ON ALL SOCIAL MEDIA PLATFORMS AND SPREAD AWARENESS EVERYWHERE I GO. I WILL AWAIT FOR THEIR RESPONSE SOUNDING LIKE ROBOTS.
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Gloria D's update29 Mar 2022, 10:00
Reviewer Update
RESPONSE TO RCS ***** INVESTIGATION FEEDBACK
RCS – MAKRO SENIOR MANAGERS

I STILL MAINTAIN, I WILL NOT PAY YOU ANY CENT UNTIL YOU REMOVE ALL INFORMATION RELATING TO A ********** TRANSACTION MADE ON MY ACCOUNT - AN INSIDE JOB SUSPECTED!

It is very disappointing to have such an unfruitful and ************* brand like RCS – Makro Brands operating in our homeland! As previously mentioned in my complaint letter dated, 19 February 2022, I hold a Makro RCS Credit Card Number 50*********. As previously mentioned, I lodged a complaint both physically and formally on 09 & 10 February 2022, that a ********** Transaction of R19, 550.66 was made from my Makro RCS Credit Card at Protea North Pick 'n Pay, while I had my card with me. I lodged a dispute at your Makro Crown Mines Branch, and I stated to your so-called Risk Managers that, this transaction was not carried out by me in any physical or online form. I also mentioned that this was a ******** activity utilizing my personal details and I requested them to kindly stop all payments, transactions, or any other related activity and freeze my account for all online and offline purchases/ transactions until the date that this matter is completely resolved.
As previously mentioned, RCS – Makro ***** Department has been unhelpful, inconsiderate, and unreliable since I reported the matter to them on the above-mentioned dates. The only thing I was instructed to do at Makro Crown Mines Branch on 10 February 2022 was to complete RCS – ***** Department Dispute Declaration Form. From then on, there was no communication or update provided until I made follow-ups. The RCS - Makro *********** staff members would only inform me that they had escalated the matter to the relevant department. So far, there is nothing meaningful communicated or solution offered to my issue. What aggravates me the most is the harassment I am suffering from RCS – Makro through telephonic calls and emails, demanding account payment which they are aware that the amount on the Account Statement includes inflated and incorrect figures relating to the ********** Transaction reported to them. To add to my frustrations, they have now mentioned that “My Account” has been handed over to their Collections Department.
In my previous Complaint Letter, dated 19 February 2022 to RCS - Makro Management, I had mentioned a few recommendations for resolving my matter completely and returning my life to normal, but clearly, RCS – Makro purposely ignored them to inflict more pain on me and cause me more frustrations by dragging this matter unnecessarily. It is very disheartening after such a long wait to receive suitable solutions and you just receive a text message. I received a message on Thursday, 24 March 2022 at 17H12 +*** reading thus, “Dear Ms Disemelo. The investigation on your Makro card has been finalized. Your new secure card is ready for collection from your nearest Makro store free of charge. Please take your Green barcoded or Smart ID card with when collecting your new card. RCS *****”.
I AM THEREFORE APPEALING TO RCS - MAKRO TO PAY ATTENTION TO THE FOLLOWING IN COMPLETELY RESOLVING MY MATTER:
(a) As stated in my previous letter, dated 19 February 2022, I have in numerous accounts mentioned that I DO NOT WANT ANYTHING TO DO WITH RCS - MAKRO CREDIT CARDS EVER, NOW YOU ARE TELLING ME TO COME TO COLLECT A NEW SECURE CARD WHICH I NEVER ASKED FOR. PLEASE MAKE SURE THAT YOU DESTROY THAT USELESS CARD OF YOURS.
(b) As you have indicated that "you have finalized the investigation on my Makro card", please provide me with a Detailed Report on what had transpired regarding that ********** Transaction; who authorized the transaction without my consent, and who purchased the items.
(c) As previously mentioned by the Makro Crown Mines Branch Risk Managers that a ******** Case of ********** Transaction would be opened then with the South African Police Service (SAPS), kindly provide me with copies of the Case, as well as the Case Number.
(d) RCS – Makro should retract all false and inaccurate information relating to this ********** Transaction submitted to all Credit Bureaus and reflected under my Credit Profile and already tempered with my Credit Score. This is clearly defamation of my character which necessitates action from recurring. I also do not want to lose personal and professional opportunities because of your negligence and recklessness.
(e) As previously stated in my Complaint Letter dated 19 February 2022, I rejected:
(i) Makro Card E-Statement – February 2022, emailed to me on 16 February 2022 (dated 10 February 2022) at 1****, by ***.
In addition, I am rejecting the following:
(ii) LettersEmail_E-Statement_Mar2022_20265.pdf, emailed to me by *** on 11 March 2022, 07H20 (dated 10 March 2022).
(iii) LettersEmail_E-Statement_Mar2022_62.pdf, emailed to me by *** on 17 March 2022, 01H28 (dated 16 March 2022).
Reason for Rejection: All the above documents sent to me contains incorrect information and ********** transaction of R19,550.66. This implies that even the instalment and interest calculated are incorrect.
(f) As stated in the previous correspondences, the only transactions I can account for are as follows:
(i) 29 January 2022, Saturday: I purchased items at Makro Crown Mines. Text message received at 13H28 – +***, “Makro Card: Thank you for purchasing at Makro crown min on card …6160 for R2827.50 on 29-01-2022 at 1327. Avail CR R27165. Queries-call ***”.
(ii) 05 February 2022, Saturday: I purchased items at Makro Crown Mines. Text message received at 16H39 – +***, “Makro Card: Thank you for purchasing at Makro crown min on card …6160 for R1734.50 on 05-02-2022 at 1639. Avail CR R25431. Queries-call ***”.
(iii) 06 February 2022, Sunday: I purchased items at Makro Crown Mines. Text message received at 13H00 – +***, “Makro Card: Thank you for purchasing at Makro crown min on card …6160 for R1072.90 on 06-02-2022 at 1300. Avail CR R24358. Queries-call ***”.
(g) Considering the above, I will not make any payment to RCS – Makro until my matter is completely resolved. In my previous letter I had requested RCS – Makro to ensure that my Makro Card E-Statement was revised correctly and bore accurate information before your Payment Due Date, which was 01 March 2022. RCS – Makro should remove all charges/ penalties/ records related to this ******** Activity under my name. Until such time, I will not make any payments.
(h) In my previous letter I had indicated that based on this traumatic ********** activity on my account, I had taken a decision regarding the Payment Option. I asked to cancel my initial Option – Debit Order and I opted for the Pay In-Store Option once my matter is completely resolved.
(i) I had also stated that I would prefer our mode of communication to exclude telephonic calls and strictly be in a written form to avoid further risk of being compromised again.
I would like to express my gratitude for all work done to ensure that the matter was investigated and finalised as mentioned by you. Trust is therefore expressed that, the provision of all the above information I requested will be effortless and quicker. As mentioned before, I am currently battling mental health issues and I do not want you adding to my stress anymore. Really this matter should have been long resolved since most people are complaining about ********** Transactions done on RCS Credit Cards. Therefore, you should by now be mastering how best to address these issues.
I will be awaiting your response in anticipation!
Yours Sincerely,

Gloria Pinky Disemelo