Retail capital is dishonest, aggressive and should be avoided

Retail Capital’s behaviour is *********, aggressive, and downright damaging.

I had a formally approved payment plan of R500 per month, which I have stuck to without fail. Despite this, they falsely claim I’m 120 days behind and handed my account over to debt collectors. They even debit my account without authorisation, taking more than agreed.

I have proof of the agreement and all payments made – but none of that seems to matter to them. Instead of resolving the issue, they send threatening emails, falsely accuse me of breach of contract, and list me at the credit bureaus, damaging my credit record even though I’m paying as agreed.

Their customer service is absolutely terrible. No one takes accountability, no one responds with accurate information, and no one seems to care about resolving the matter fairly.

If you’re thinking of doing business with Retail Capital, don’t. They are reckless, unprofessional, and show no respect for the people or businesses they claim to support.

Avoid them at all costs.