PM
Phemelo M
Active since Nov 2009
72
Reviews
0
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Reviews
72 reviews1 month ago
Arrears Paid in Full – Capitec Debiting on Wrong Day and Ignoring Communication
I have now paid the arrears on my Capitec loan account in full, and proof of payment has been provided to the bank. However, I feel it is important for other consumers to understand what led to this situation. From the beginning, I clearly communicated my fixed monthly pay date. Despite this, Capitec repeatedly attempted to debit my account before my pay day. These premature debit attempts failed and triggered unsuccessful debit fees from my bank, meaning I incurred extra charges that I never agreed to. I raised the matter through multiple channels: • WhatsApp support • Email communication • A formal complaint During these interactions I attempted to make reasonable arrangements and even indicated that I would make manual payments to resolve the situation. Unfortunately, my communications were either ignored or not properly addressed. Despite my efforts to resolve the matter responsibly, the early debit attempts continued, causing further unnecessary bank charges. Oluchi, their head of Customer Compalaints, who was directly involved in this matter, closed my complaint prematurely and without resolution, and I am placing this on record because the issue was repeatedly raised but not corrected. I have now settled the arrears to regularise my account, but the experience has been extremely frustrating. Debiting accounts before an agreed pay date, while ignoring customer communication, places unnecessary financial pressure on clients and creates avoidable costs. I hope Capitec reviews how these situations are handled so that other customers are not placed in the same position. My arrears are now paid up, and I expect no further premature debit attempts going forward.
0 replies
2 months ago
Harassment, poor communication, and aggressive upselling
I keep receiving repeated phone calls from your agents despite clearly and consistently stating that I am not interested in renewing a long-term contract and wish to remain on a month-to-month option. During the most recent call, the agent raised an issue around payment. I asked a very simple and reasonable question: Is my account up to date or not? The agent refused to answer this question. This is unacceptable. Had I been informed that my account was not up to date, I could have immediately checked my bank statement and resolved the issue. Instead, I was met with evasion. At this point, the frequency of these calls feels like harassment. We are contacted during working hours and expected to engage in lengthy conversations, only to be repeatedly upsold after clearly declining. Saying “no” does not seem to be respected. I value the flexibility of a month-to-month contract and have communicated this multiple times. That preference has been ignored. Due to the rudeness, lack of transparency, and persistent pressure, I have decided to cancel my subscription entirely and will be moving to another provider. This interaction was the final straw. A company that does not respect clear boundaries or communicate honestly does not deserve my business.
224 replies
2 months ago
Unauthorised Debit Dates & Unreasonable Documentation Requests
I am extremely disappointed with how this matter has been handled. Despite clearly agreeing on the 25th as my payment date during the loan application call, the bank proceeded to attempt debits on dates I never authorised. At no point did I state that I am paid on the 18th (December) or the 22nd (January). These dates were selected unilaterally, without my consent. To compound the issue, I have now been asked to provide three months’ worth of bank statements, despite the fact that I am not applying for a loan. No clear explanation has been given as to why this level of documentation is necessary or relevant. A reasonable and compliant process would have involved confirming any proposed change to a payment date before attempting debits. Failing to do so, and then shifting the burden onto the customer, is unacceptable and a violation of basic consumer rights. I am requesting: A clear explanation for the unauthorised debit dates Justification for the request for three months of bank statements Confirmation that no further debits will be attempted without my explicit consent Until this is resolved, I cannot recommend this bank to anyone.
112 replies
2 months ago
Capitec debiting before agreed pay date, causing fees and negative credit listing
I have a loan with Capitec Bank which, initially, served its purpose. I was upfront from the start about my fixed monthly pay date, and for a time, everything functioned as agreed. That changed in December 2025, when Capitec debited my account before my payday, without consultation or confirmation of available funds. The debit failed and I was charged a rejection fee by my bank, a cost I did not agree to and should never have incurred. When I was paid, I transferred money into my Capitec account and attempted to settle the loan manually. The payment failed. I then contacted Capitec via WhatsApp, where a consultant confirmed that an arrangement had been made to debit my Capitec account for the outstanding amount. No debit happened. By 9 January, after a significant delay on Capitec’s side, I faced unforeseen personal emergencies and used the funds that Capitec had still not collected, fully intending to set up a new arrangement immediately thereafter. Instead of contacting me, Capitec immediately reported me negatively to the credit bureau. I attempted again to make arrangements, but Capitec’s automated WhatsApp system repeatedly failed, looping me back to the main menu or restarting the conversation entirely. There was no meaningful access to assistance. Despite this, Capitec again attempted to debit my account before my pay date in January, once more without confirmation or consent. This resulted in additional rejection fees from my bank and another negative credit report. At no point was I unwilling to pay. I: clearly communicated my pay date attempted to pay manually engaged with Capitec consultants tried repeatedly to make alternative arrangements What I experienced instead was poor communication, failed systems, premature debits, unnecessary fees, and aggressive credit reporting. This loan is now costing me more because of Capitec’s actions, not my own. Debiting accounts before agreed dates, failing to honour arrangements, and then penalising clients through credit bureaus is, in my view, ********* and irresponsible banking practice. I now understand why many consumers caution against dealing with this bank.
56 replies
5 months ago
FNB giving me issues as I try to terminate my account with them
I am trying to settle my overdraft and close my bank account so that I do not have to deal with this bank ever again. I sent notification via email on Friday. Today I tried the secure chat. They told me that their operator was wrapping up another call and would be with me shortly. I was still waiting about 15 minutes later. Then, I called the premier banking line and the operator claimed not to hear me. I want out, now.
142 replies
8 months ago
Pay Me Back Dis-chem Nicolway
I have been trying for ages to get Discovery Nicolway to pay me back what they owe me. I went to their pharmacy to get my meds, and paid cash. Then I got a claim notice from my medical aid mentioning that they had also paid. So, they got paid twice for the same transaction. I have sent emails trying to fix it. They never reply. I think they are trying to rely on the passage of time to make me forget that they essentially took money from both me, and the medical aid, for one transaction. And I don't see how that is legal or even ethical. I have been patient.
0 replies
8 months ago
Wesbank Sent Intimidating Enforcers To My House
The cruelest bank strikes again. I asked to have my car repayments restructured to make them more afdordable to me. I was in arrears, and had a balloon payment coming up. They were rigid and not helpful as they promised. The worst part is that they sent two heavies to my house to intimidate me. I actually still cannot believe that they sent their bouncers to my house. I didn't understand why this drastic, extremely uncomfortable and alienating decision was taken when they could have communicated with me electronically. I was never running from my responsibility. I am sickened that they would go as far as to make me feel unsafe at my own home. Sickening.
2 replies
19 months ago
Missing Items
Last week Friday, I bought a box of lashes at Mafikeng Mall Clicks. I just opened the box, which says, "glue included" and there is no glue. It also seems that the box was opened before, as it was wrapped in tape. I thought that was just a security measure, but they seemingly repackaged a pair of lashes and sold them without the glue. Very disappointing, Clicks Mafikeng.
0 replies
20 months ago
Why is there plastic in my cake?
I just bought a milo cheesecake from Olives and Plates in Hyde Park. I bit into the frosting and there was an oval plastic thing in there. I am disturbed.
0 replies
20 months ago
G & T Autobody is the best! ❤️
Last month I took my car in to G & T Autobody for repairs. I am deeply impressed with their work ethic, and their integrity and recommend them to anyone who needs repairs done on their car. Peter and Thembi were great and I am truly appreciative. Talking to Thembi yesterday helped me realise that she actually cares for her customers on a personal level. You will be hard pressed to find that kind of care and attention to detail nowadays. Thank you for who you are, Thembi. And for making my car look brand new again. I appreciate it and will never forget you.
0 replies
Review Distribution
5 Star
9 (12.5%)
4 Star
0 (0%)
3 Star
0 (0%)
2 Star
3 (4.166666666666667%)
1 Star
60 (83.33333333333333%)