Payflex took my money without consent

Dear Ozayr

Thanks for your review and thanks for taking the call from our COO.

As mentioned on the call, you have acknowledge that you gave your card to Mrs. Zaida Moosa whom loaded your card on her profile. When loading your card,  a 3D secure was sent to your phone by your bank to authorize the card as a valid card to be debited for any transaction and arrears that my be incurred on the profile of Mrs. Zaida Moosa.

Our terms and conditions are very clear in this regard https://payflex.co.za/terms-conditions/

Specifically section 8.3 and 8.3.1 which reads as follows:

8.3. In the event that we are unsuccessful in obtaining payment from your Primary Card for an Instalment on the due date, you irrevocably authorise us to:

8.3.1. take payment of the overdue Instalment Payment including any Default Fees from any Card that is loaded on your Payflex profile at any date.

In our attempt to collect from the primary card on Mrs. Zaida Moosa profile, we exercised our right as detailed in section 8.3 and 8.3.1 above.

We understand you are upset and angry, but we have to point out that Payflex have not done anything wrong in line with our terms and conditions.

In actual fact, on registration we warn customers regarding the Do's and Don'ts. One of these is to advise customers not to load cards that do not belong to them on their profile, as the scenario above can and will occur. Kindly see these warning below, which are detailed on the registration page on our website. https://payflex.co.za/customer-registration/


Do’s and Don’ts when Registering and using Payflex to Pay

Don’ts

• When you Register with Payflex, don’t use someone else’s Name, ID, email, and cell number.
• When paying with Payflex, don’t log onto someone else’s Payflex account.
• When buying something new or paying for an existing instalment, don’t use someone else’s bank card.
• When submitting queries to the Payflex support team, don’t use an un-registered email address.
• When submitting a query to the Payflex support team please don’t send a one liner or vague request.
• Spend responsibly. Don't buy unless you can meet the payments due every 2 weeks.

Do’s

• When you register with Payflex only use your Name, ID, email, and cell number.
• When paying with Payflex only log onto your own Payflex account.
• When buying something new or paying for an existing instalment, only use you own bank card.
• When submitting queries to the Payflex support team, use the email address that you registered with Payflex.
• When submitting a query to the Payflex support team please ensure to provide all relevant details such as your ID number, cell number, date of transaction, transaction value etc. The more information you provide the quicker our team will be able to assist you.
• Budget correctly when you buy to ensure you can meet the payments due every 2 weeks. This will ensure you don't land up paying penalties on missed payments.

In order to remedy the situation please can you do the following:

1) Have Mrs. Zaida Moosa pay you back the R664.25 immediately
2) Request Mrs. Zaida Moosa contact our support team at *** and arrange to have your card removed from her profile immediately. 

We trust the above will clarify the situation and assist other customers to understand in more detail the issues that arise when sharing ones bank card with other people. 


Regards


The Payflex Team