Shambles of a Business

Absolute Shambles of a Business and Employees. I took out a credit card with TymeBank, and safe to say everything went smoothly, a year or two ago I decided to purchase a study laptop using the said credit card, well and fine (typing from the said laptop) until Tymebank exited the deal and RCS managed themselves the credit cards.

Thants when a horde of problems started, never receiving statements on time etc.

My my complain for everyone to see is as follows:

Ive managed to recover my financial standing and decided I no longer need credit, and that way I will make large or payments over what usually the debtor takes monthly.

0n 29 September 2025 I made a lump sum payment of R7000.00 to RCS, making use of the bank approved beneficiary on my Standard Bank app (RCS Card (Pty) Ltd, mind you I called RCS to ask how and where if I need to make lump sum payments, they sent me an account but suggested I make use of the bank approved beneficiary which I did. As I type this review on 18.10.2925 my payment still has not been allocated , ive spent the entire week in the phone with their contact centre, but it is just a money wasting exercise, because they are clues, a Mogamat made an asinine statement and not him alone (I happen to remember his nonchalant tone and email) and told me I need to go to Standard Bank for them to confirm the full account (How the hell will Standard Bank give you your own account you loaded on online banking?) anyways I have sent the proof of payments, my bank statement showing payment made with the correct reference number, to date nothing has happened, no communication whatsoever which means I must go waste another hour on the line with the clueless contact centre.

NB - deal with RCS at your risk because wow, for such a big company to fail in menial taks is extremely worrying.

I am waiting for my 21 days to lapse from the date if complained and will lodge an ombudsman complaint, because it is clear they put up an account to confuse and keep clients money, earn interest on it whilst charging interests on the said clients