ER
Ernest R
1 reviews | Active since Aug 2021
15 Jul 2025, 15:34
Failure to refund incorrectly paid money
We choose to settle our loan account and accidently paid over the settlement amount into our Mark card account in May 2025 this year. Once we realised our mistake we tried to get Makro loans (run by RCS) to pay over the amount, which was now shown as excess money in our Makro card, over to our Makro loan account. We then discover that the two accounts are being run by seperate departments of RCI and they both are clueless as to how to refund / transfer the money to the correct account. Despite regular phone calls, obtaining bank statements providing ID's and several promises we are still facing the same problem. Since May 2025 they have charged us more than R600 in interest and costs for the outstanding loan amount but failed to refund or transfer the money into the correct account. We had several calls to ask whether we want the refund or the must they tranfer the money to settle the loan account. Every time we confirm but with no result. It appear as if they are either *********** / Clueless or just deliberately stalling to transfer / refund the money in order to continue charging us interest. (See response below) As per our discussion. Please note I sent your payment transfer query to the relevant department. Should you require any further information, please feel free to contact us on ***. Regards, Lesley-ann
Helpful (0)
Replies (3)0
Replies (3)ER
Ernest R's updateReviewer Update
18 Jul 2025, 09:25Thank you for being unhelpfull,
The loan account is called Makro loan and the card is a Makro card. The fact that Makro has appointed RCS to manage their financial business does not absolve Makro form the obligation to support it's customers in financial dealings.
As we stated before we have been dealing with the incopetence of RCS staff for the past 3 months, how long will it still take to correct a simple transfer of money to the correct account. That fact of the matter is the delay in this transfer is costing your customer more than R2000 rand up to now!
Would you be satisfied with such poor service? Maybe Makro need to find another company to handle their finances.
Regards
P.S. Nobody from RCS has contacted us and the complaint was also sent to them.
The loan account is called Makro loan and the card is a Makro card. The fact that Makro has appointed RCS to manage their financial business does not absolve Makro form the obligation to support it's customers in financial dealings.
As we stated before we have been dealing with the incopetence of RCS staff for the past 3 months, how long will it still take to correct a simple transfer of money to the correct account. That fact of the matter is the delay in this transfer is costing your customer more than R2000 rand up to now!
Would you be satisfied with such poor service? Maybe Makro need to find another company to handle their finances.
Regards
P.S. Nobody from RCS has contacted us and the complaint was also sent to them.
ER
Ernest R's update18 Jul 2025, 09:25
Reviewer Update
Thank you for being unhelpfull,
The loan account is called Makro loan and the card is a Makro card. The fact that Makro has appointed RCS to manage their financial business does not absolve Makro form the obligation to support it's customers in financial dealings.
As we stated before we have been dealing with the incopetence of RCS staff for the past 3 months, how long will it still take to correct a simple transfer of money to the correct account. That fact of the matter is the delay in this transfer is costing your customer more than R2000 rand up to now!
Would you be satisfied with such poor service? Maybe Makro need to find another company to handle their finances.
Regards
P.S. Nobody from RCS has contacted us and the complaint was also sent to them.
The loan account is called Makro loan and the card is a Makro card. The fact that Makro has appointed RCS to manage their financial business does not absolve Makro form the obligation to support it's customers in financial dealings.
As we stated before we have been dealing with the incopetence of RCS staff for the past 3 months, how long will it still take to correct a simple transfer of money to the correct account. That fact of the matter is the delay in this transfer is costing your customer more than R2000 rand up to now!
Would you be satisfied with such poor service? Maybe Makro need to find another company to handle their finances.
Regards
P.S. Nobody from RCS has contacted us and the complaint was also sent to them.
ER
Ernest R's updateReviewer Update
29 Jul 2025, 09:31We had one call of apology and no further action besides more promises. This has become the accepted norm in SA no service delivery from goverment and no concern for Customers.
Well done Makro and RCS you on a good path to self destruction!!
Well done Makro and RCS you on a good path to self destruction!!
ER
Ernest R's update29 Jul 2025, 09:31
Reviewer Update
We had one call of apology and no further action besides more promises. This has become the accepted norm in SA no service delivery from goverment and no concern for Customers.
Well done Makro and RCS you on a good path to self destruction!!
Well done Makro and RCS you on a good path to self destruction!!
ER
Ernest R's updateReviewer Update
30 Jul 2025, 16:01Every time we post here we are being contacted with more promises and less action. Lastest excuse is that they cannot get hold of us on our phone, yet they did phone us several times before to provide promises.
See their pathetic excuses below:
28/07/2025Thank you for your email.Please note I tried to call you with no success.Please note we require the below to process your refund.Please provide us with the following:
19/06/2025
Your MAKRO accounts currently has a credit balance of R-26230.64. Please feel free to use this credit at any of our stores The RCS Shopping Network in South Africa - RCS Group. If you prefer a refund, kindly email us at *** with your banking information, which must be in your name. Please see below the necessary documents to be provided for reimbur*****t, based on whether your credit balance refund is over or under R 10,000. Please ensure that these documents are provided in the body of an email or as an email attachment: Refund is R10 000
If we do not have your banking details, please provide us with the following:a copy of your IDprovide your banking information *If you have an active debit order in place, no documents are required | Please provide us with the following:proof of payment (EFT proof of payment or Point of sale payment slip)Bank statement (required on 3rd party payments)Copy of ID
Please note: Refunds are processed every Wednesday and Friday. Please allow 48 hours from the time you sent us the request/documentation for processing. I.e. should we receive your request on a Monday, your refund will be processed for payment the Friday of that week – provided we received all the necessary documentation as stated above (subject to inter-bank turnaround time)
ALL OF ABOVE WAS PROVIDED!!!
Response:
10/07/2025Thank you for your mail.Kindly forward us a screenshot and the email address the mail was sent from. Please confirm if you want to refund of the payment made into the incorrect account or if you want to payment to be transferred to your loan account.
14/07/2025Thank you for your email.As per our discussion. Please note I sent your payment transfer query to the relevant department.Should you require any further information, please feel free to contact us on ***.21/07/2025 Thank you for your email.We sincerely apologize for any inconvenience caused by RCS.I can confirm that I have tried to contact you but your cell rings to voicemail.There is a credit balance on your account, and we need to refund the money to your account.Please provide us with the following:· Marriage certificate or letter from Home affairs for surname update
THIS WAS DONE BUT WITH NO REFUND FORTHCOMING OR WORSE A SIMPLE TRANSFER OF MONEY FROM ONE ACCOUNT TO ANOTHER WITHIN RCS.
While they are sitting on R-26230.64 of my money they continue to charge me as follows
Original Loan Amount | R28,422.00
Annual Interest Amount | 29,25%
Closing Balance | R25,453.91
Monthly Repayment | R1,123.51
AMOUNT DUE (BY 1ST) | R1,123.51
22/07/2025
Thank you for your email.I can confirm that your refund has been added and is now with our finance team who will have it approved and processed.There is a refund turnaround time of 7 - 14 working days.Should you have any additional enquiries please feel free to contact us ***or via e-mail: ***.
See their pathetic excuses below:
28/07/2025Thank you for your email.Please note I tried to call you with no success.Please note we require the below to process your refund.Please provide us with the following:
- A copy of your RSA green barcoded Identity book
19/06/2025
Your MAKRO accounts currently has a credit balance of R-26230.64. Please feel free to use this credit at any of our stores The RCS Shopping Network in South Africa - RCS Group. If you prefer a refund, kindly email us at *** with your banking information, which must be in your name. Please see below the necessary documents to be provided for reimbur*****t, based on whether your credit balance refund is over or under R 10,000. Please ensure that these documents are provided in the body of an email or as an email attachment: Refund is R10 000
If we do not have your banking details, please provide us with the following:a copy of your IDprovide your banking information *If you have an active debit order in place, no documents are required | Please provide us with the following:proof of payment (EFT proof of payment or Point of sale payment slip)Bank statement (required on 3rd party payments)Copy of ID
Please note: Refunds are processed every Wednesday and Friday. Please allow 48 hours from the time you sent us the request/documentation for processing. I.e. should we receive your request on a Monday, your refund will be processed for payment the Friday of that week – provided we received all the necessary documentation as stated above (subject to inter-bank turnaround time)
ALL OF ABOVE WAS PROVIDED!!!
Response:
10/07/2025Thank you for your mail.Kindly forward us a screenshot and the email address the mail was sent from. Please confirm if you want to refund of the payment made into the incorrect account or if you want to payment to be transferred to your loan account.
14/07/2025Thank you for your email.As per our discussion. Please note I sent your payment transfer query to the relevant department.Should you require any further information, please feel free to contact us on ***.21/07/2025 Thank you for your email.We sincerely apologize for any inconvenience caused by RCS.I can confirm that I have tried to contact you but your cell rings to voicemail.There is a credit balance on your account, and we need to refund the money to your account.Please provide us with the following:· Marriage certificate or letter from Home affairs for surname update
THIS WAS DONE BUT WITH NO REFUND FORTHCOMING OR WORSE A SIMPLE TRANSFER OF MONEY FROM ONE ACCOUNT TO ANOTHER WITHIN RCS.
While they are sitting on R-26230.64 of my money they continue to charge me as follows
Original Loan Amount | R28,422.00
Annual Interest Amount | 29,25%
Closing Balance | R25,453.91
Monthly Repayment | R1,123.51
AMOUNT DUE (BY 1ST) | R1,123.51
22/07/2025
Thank you for your email.I can confirm that your refund has been added and is now with our finance team who will have it approved and processed.There is a refund turnaround time of 7 - 14 working days.Should you have any additional enquiries please feel free to contact us ***or via e-mail: ***.
ER
Ernest R's update30 Jul 2025, 16:01
Reviewer Update
Every time we post here we are being contacted with more promises and less action. Lastest excuse is that they cannot get hold of us on our phone, yet they did phone us several times before to provide promises.
See their pathetic excuses below:
28/07/2025Thank you for your email.Please note I tried to call you with no success.Please note we require the below to process your refund.Please provide us with the following:
19/06/2025
Your MAKRO accounts currently has a credit balance of R-26230.64. Please feel free to use this credit at any of our stores The RCS Shopping Network in South Africa - RCS Group. If you prefer a refund, kindly email us at *** with your banking information, which must be in your name. Please see below the necessary documents to be provided for reimbur*****t, based on whether your credit balance refund is over or under R 10,000. Please ensure that these documents are provided in the body of an email or as an email attachment: Refund is R10 000
If we do not have your banking details, please provide us with the following:a copy of your IDprovide your banking information *If you have an active debit order in place, no documents are required | Please provide us with the following:proof of payment (EFT proof of payment or Point of sale payment slip)Bank statement (required on 3rd party payments)Copy of ID
Please note: Refunds are processed every Wednesday and Friday. Please allow 48 hours from the time you sent us the request/documentation for processing. I.e. should we receive your request on a Monday, your refund will be processed for payment the Friday of that week – provided we received all the necessary documentation as stated above (subject to inter-bank turnaround time)
ALL OF ABOVE WAS PROVIDED!!!
Response:
10/07/2025Thank you for your mail.Kindly forward us a screenshot and the email address the mail was sent from. Please confirm if you want to refund of the payment made into the incorrect account or if you want to payment to be transferred to your loan account.
14/07/2025Thank you for your email.As per our discussion. Please note I sent your payment transfer query to the relevant department.Should you require any further information, please feel free to contact us on ***.21/07/2025 Thank you for your email.We sincerely apologize for any inconvenience caused by RCS.I can confirm that I have tried to contact you but your cell rings to voicemail.There is a credit balance on your account, and we need to refund the money to your account.Please provide us with the following:· Marriage certificate or letter from Home affairs for surname update
THIS WAS DONE BUT WITH NO REFUND FORTHCOMING OR WORSE A SIMPLE TRANSFER OF MONEY FROM ONE ACCOUNT TO ANOTHER WITHIN RCS.
While they are sitting on R-26230.64 of my money they continue to charge me as follows
Original Loan Amount | R28,422.00
Annual Interest Amount | 29,25%
Closing Balance | R25,453.91
Monthly Repayment | R1,123.51
AMOUNT DUE (BY 1ST) | R1,123.51
22/07/2025
Thank you for your email.I can confirm that your refund has been added and is now with our finance team who will have it approved and processed.There is a refund turnaround time of 7 - 14 working days.Should you have any additional enquiries please feel free to contact us ***or via e-mail: ***.
See their pathetic excuses below:
28/07/2025Thank you for your email.Please note I tried to call you with no success.Please note we require the below to process your refund.Please provide us with the following:
- A copy of your RSA green barcoded Identity book
19/06/2025
Your MAKRO accounts currently has a credit balance of R-26230.64. Please feel free to use this credit at any of our stores The RCS Shopping Network in South Africa - RCS Group. If you prefer a refund, kindly email us at *** with your banking information, which must be in your name. Please see below the necessary documents to be provided for reimbur*****t, based on whether your credit balance refund is over or under R 10,000. Please ensure that these documents are provided in the body of an email or as an email attachment: Refund is R10 000
If we do not have your banking details, please provide us with the following:a copy of your IDprovide your banking information *If you have an active debit order in place, no documents are required | Please provide us with the following:proof of payment (EFT proof of payment or Point of sale payment slip)Bank statement (required on 3rd party payments)Copy of ID
Please note: Refunds are processed every Wednesday and Friday. Please allow 48 hours from the time you sent us the request/documentation for processing. I.e. should we receive your request on a Monday, your refund will be processed for payment the Friday of that week – provided we received all the necessary documentation as stated above (subject to inter-bank turnaround time)
ALL OF ABOVE WAS PROVIDED!!!
Response:
10/07/2025Thank you for your mail.Kindly forward us a screenshot and the email address the mail was sent from. Please confirm if you want to refund of the payment made into the incorrect account or if you want to payment to be transferred to your loan account.
14/07/2025Thank you for your email.As per our discussion. Please note I sent your payment transfer query to the relevant department.Should you require any further information, please feel free to contact us on ***.21/07/2025 Thank you for your email.We sincerely apologize for any inconvenience caused by RCS.I can confirm that I have tried to contact you but your cell rings to voicemail.There is a credit balance on your account, and we need to refund the money to your account.Please provide us with the following:· Marriage certificate or letter from Home affairs for surname update
THIS WAS DONE BUT WITH NO REFUND FORTHCOMING OR WORSE A SIMPLE TRANSFER OF MONEY FROM ONE ACCOUNT TO ANOTHER WITHIN RCS.
While they are sitting on R-26230.64 of my money they continue to charge me as follows
Original Loan Amount | R28,422.00
Annual Interest Amount | 29,25%
Closing Balance | R25,453.91
Monthly Repayment | R1,123.51
AMOUNT DUE (BY 1ST) | R1,123.51
22/07/2025
Thank you for your email.I can confirm that your refund has been added and is now with our finance team who will have it approved and processed.There is a refund turnaround time of 7 - 14 working days.Should you have any additional enquiries please feel free to contact us ***or via e-mail: ***.