EF
E F
Active since Apr 2011
15
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Reviews
15 reviews2 weeks ago
Capitec ***** Department refuses to Investigate
I am extremely disappointed with the level of service and assistance received from the Capitec ***** Department regarding a *****ulent transaction of R38,000 that was taken from my credit card account. Upon contacting the ***** division, I was informed by the consultant that there was “nothing they could do” and that the matter was effectively “my fault,” despite the fact that no investigation had been conducted at all. I was further advised that the transaction was processed as a card transaction. However, this raises serious concerns, as I still have the physical card in my possession and the card has never left my sight. This suggests the possibility of card cloning or some form of unauthorized *****ulent activity, which should warrant immediate investigation. When I attempted to obtain basic information regarding the transaction, including: • The exact time of the transaction • How an amount exceeding the set transaction limit was processed • Where and how the funds were transferred • A reference number for my call and query I was informed that no case would be logged and that no reference number was required. I find this response completely unacceptable. At no stage was there any willingness to investigate the matter, assess potential ***** risk, or provide assistance to a customer who has suffered a substantial financial loss. This experience leaves me questioning whether Capitec’s standard approach is simply to hold customers liable without conducting any form of proper investigation. ***** risk cannot be assessed if incidents are dismissed without review. Due to the unwillingness of the ***** Department to investigate the possible cloning or unauthorized use of my card, I am left with no alternative but to escalate this matter formally through the Banking Ombudsman and seek further assistance there. I request that this matter be urgently reviewed and that a formal investigation be initiated immediately.
1 reply
4 months ago
FNB Home Loans Waste to Switch
FNB Contacted me to make a Bond switch in October 2025 after 5 Months of wasting my time and effort they made a very uncompetitive offer and when trying to negotiate with the they bluntly SAY”NO” and end the conversation On the numbers FNB laid out, the offer does not make financial sense, Let’s strip the emotion out and look at the offer for what it truly is. ________________________________________ 1. What FNB is actually offering (in real terms) • Rate improvement: 0.42% lower than Standard Bank • Monthly saving: ± R190 per month • Saving over 120 months (10 years): ± R22,800 – R26,000 (depending on amortisation assumptions) • Once-off costs to switch: o Initiation fee: R6,037 o Cancellation fee (Standard Bank): ± R7,500 o Total upfront cost: ± R13,537 ________________________________________ 2. Break-even analysis (this is the key point) • R13,537 ÷ R190 ≈ 71 months • That’s almost 6 years just to break even. • Only after year 6 do you see any net benefit. That alone already makes this a weak offer, especially in a volatile rate environment where: ________________________________________ 3. Opportunity cost If you: • Invest R13,537 instead of paying fees • Earn a conservative 8–10% p.a. over 10 years You’re very plausibly in the R35,000–R45,000 range. So the true cost of switching is not just R13,537 — it’s the lost future value of that capital. From a finance perspective, that makes the switch value-destructive, not value-creating.
1 reply
12 months ago
***** Case Not investigated
I am writing to formally raise a complaint regarding an unresolved ***** case I reported to Capitec Bank, and the lack of follow-through from your ***** department. On 2 June 2025, I was ****med by an individual falsely posing as an agent for a hot air balloon ride company. I acknowledge that this is a civil matter, and I am in the process of taking legal steps, including opening a ******** case against the individual involved. However, my core concern is the inaction of Capitec Bank’s ***** division. Key Facts: I contacted Capitec on three separate occasions starting 3 June 2025 to report the **** and to alert the bank that the ****mer is using a Capitec account. I clearly informed Capitec that I have proof of the **** and requested that the account be flagged or frozen to prevent others from falling victim. Capitec stated they attempted to contact me, but they consistently called the wrong number, despite me calling back and updating them each time. I specifically asked to speak with the person assigned to the case, but this was refused on each occasion. As of today, 17 June 2025, no one from Capitec has contacted me, nor have I been asked to provide the evidence I offered. This is now 10 days since the initial report. My Concerns: Capitec’s actions (or lack thereof) raise serious concerns about the implementation and effectiveness of your publicly available ***** Policy. While the policy promises a commitment to customer protection and ***** prevention, my experience shows otherwise. All I have asked is that Capitec investigate the case and take appropriate steps to prevent further harm to other innocent people. I am not requesting a refund—I fully understand the civil and ******** implications involved. My appeal was entirely in the public interest, and Capitec has failed to act on that. I am therefore lodging a formal complaint with: The Banking Association of South Africa The Ombudsman for Banking Services (OBS) Capitec’s lack of urgency, refusal to accept evidence, and failure to act in the interest of ***** prevention is deeply disappointing and dangerous.
2 replies
24 months ago
5 months later nd Standard bank cant put a Debit order in place
I have been trying to sort out my Debit order for the last 5 Months and each month Standard bank assures me that the problem is resolved.. Please Note I have all the recording of each phone call, and as a result of the poor service from Standard bank home loans .. I am now in arrears .. Please note that as Standard bank confirmed the debit order is in place, I will not be doing a EFT, and look forward to seeing you in court when you peruse me for non payment.. please note I'm in arrears due to the service that you offered your customers (Debit order) , a service that you said was in place, so the onus is not on me to rectify this, as I have tried 5 times from my side.. Please get your lawyers ready for a battle when I explain to a Judge that Standard bank is in default .. and that Standard bank once again failed to action the services that you put in place, that you monitor, that you assured is in place.. LMAO.. this is going to be FUN
1 reply
24 months ago
Vodacome Bad customer service
I phoned Vodacom today at 9.02 to upgrade my phone, only to get a consultant that did not want to listen to me and when I tried to talk he kept interrupting me, when I got upset about the constant interruptions he then blamed me for shouting, how can Vodacom, still be in business with Such bad customer service.. not i will not upgrade the phone but will rather cancel my contracts .. John Hwandi, you need to go for customer training I hope your company pull the call and holds you accountable for looing my business .. my calls are recorded thanks to true caller, this will not end here I will be sending this recording to your Executive directors for their opinion on how you handled the call .. constant interruptions by you is not the way you deal with customers and then balm the customer for getting upset
2 replies
28 months ago
Written Agreement not Honored by Standard bank
Again with Bad service from Standard bank.. I negotiated a lower interest rate from Standard bank for my Home loan, which was approved on condition that I open a transaction account. So i go to a branch ask what trans action accounts they have and the say the cheapest is the Pure Save and that this account can be linked to my Home lone. Great so i open the account as agreed by standard bank.. Now when i ask them to implement the reduced rate, they say i need a cheque account, My question is .. I did everything standard bank asked of me in acceptance of a written agreement, only for the Bank to change the requirements, I'm sure the banking ombudsman will find this very interesting .. I just do not understand why the public always has problems with Standard Bank.. its ridiculous, Is standard bank trying to loose customers .. I will be taking this further as a agreement was reach and agreed upon in writing.. so be prepared for some attention on this one Standard bank..
5 replies
28 months ago
Added Features on App, ridiculous
Capitec added a new Feature on the app, where is you make a payment you need to take a selfie... and when phoning they tell you its for security.. WELL I UNDERSTAND SECURITY IF I WAS ADDING A NEW BENEFICIARY... but the person i was paying i have been doing so for the last 5 Years, now every time I send money to my kids for pocked money, I need to take a selfie. every time I give my mom money I need to take a selfie. surly when a option like this is added to the app. GIVE THE CUSTOMERS A OPTION TO ACCET OR DECLINE THIS ADDED FEATURE OR BETTER THAT THEY CAN SET A LIMIT TO THIS FEATURE, I really do not want to take a selfie every time i transfer 100 rand to the kids ... Capitec you now becoming ridiculous in your added Features .. only reason you get 1 star, is because I cant give you none .. PLEASE BE VERY CAREFULL WHEN YOU TRY TO CONTROL HOW PEOPLE SPEND MONEY THIS COULD BECOME A LEGAL ISSUE
1 reply
30 months ago
MR088151
I have tried calling Easy sell Properties with Standard bank over 20 times, and keep getting cut off. I want to put a offer in for this property that lines with the selling Executive Department Reference MR088151, can someone please have the decency to call me to discuss, as I can not keep holding and Standard bank then drops the call
5 replies
31 months ago
Zubair and Kumaran w...
Zubair and Kumaran were great at the king shaka airport
1 reply
41 months ago
Upgrade unathorised
unauthorized upgrade to my contract was made, before we finalized the changes and agreed to the terms, when phoning on two occasions, i was promised that the call is exoculated and ill get a call from a senior to resolve the contract issues. I received a refence number with SMS stating waiting 48 hours someone will contact me, this was 4 days ago.. Why is service so bad in this country, please call me to resolve my issues,
3 replies
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5 Star
1 (6.666666666666667%)
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1 Star
14 (93.33333333333333%)