X
XDS
Verified Business
X
AI Review Summary
Based on recent customer reviews, XDS is facing significant dissatisfaction from consumers attempting to update or dispute information on their credit profiles. A recurring theme is the failure to remove debt review flags, prescribed debts, and paid-up accounts despite documentation being submitted. Customers consistently mention poor communication, ignored emails, dropped calls, and disputes that remain unresolved for weeks or months. Many reference escalations to the National Credit Regulator, Credit Ombud, and Information Regulator, indicating a perceived breach of regulatory turnaround obligations and a lack of accountability in handling formal credit disputes.
Performance(last 12 months):
TrustIndex
2.6
Ranking
#251
in Financial Services
NPS Score
-100
Recommended: Unlikely
Review Distribution
1.2|17 Reviews
Jul '25 - Jun '26
Recent reviews (17)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
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Anonymous
1 reviews | Active since Jan 2020
4 May 2026, 07:45
Dispute query
I am extremely disappointed with the level of service I have received from XDS. After being issued prescription letters, I was provided with an email address to submit my dispute. I sent through all the required information and supporting documents, expecting at the very least an acknowledgement or guidance on the next steps. However, it has now been weeks with absolutely no response.I am aware that disputes can be logged through the app. However, had I received any form of response to my email advising me of this, I would have done so immediately. Instead, I waited for weeks under the impression that my matter was being attended to - only to now realise that nothing has been done. This lack of communication has caused unnecessary delays, and now I am forced to start the process again and wait even longer. All I am asking for is basic communication and proper guidance.
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Anonymous
1 reviews | Active since Jan 2020
4 May 2026, 07:45
Dispute query
I am extremely disappointed with the level of service I have received from XDS. After being issued prescription letters, I was provided with an email address to submit my dispute. I sent through all the required information and supporting documents, expecting at the very least an acknowledgement or guidance on the next steps. However, it has now been weeks with absolutely no response.I am aware that disputes can be logged through the app. However, had I received any form of response to my email advising me of this, I would have done so immediately. Instead, I waited for weeks under the impression that my matter was being attended to - only to now realise that nothing has been done. This lack of communication has caused unnecessary delays, and now I am forced to start the process again and wait even longer. All I am asking for is basic communication and proper guidance.
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Anonymous
1 reviews | Active since Jan 2020
18 Apr 2026, 11:38
Debt review flag not removed from my profile.
Why is it taking long to update my profile? Clearance certificate was issued to you but my profile still shows that Im under debt review. Can someone assist in resolving this matter?
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Anonymous
1 reviews | Active since Jan 2020
18 Apr 2026, 11:38
Debt review flag not removed from my profile.
Why is it taking long to update my profile? Clearance certificate was issued to you but my profile still shows that Im under debt review. Can someone assist in resolving this matter?
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Anonymous
1 reviews | Active since Jan 2020
16 Apr 2026, 10:38
they allow creditor to reload prescribed debt
this ITC Company has allowed the account which has legaly prescribed which was resolved in my favour to reload without the company produce the proof that disturbs the prescriobtion and i have queried this with someone name Kefilwe Mamabolo and has not rep**** and other credit bureus have removed and close that account only this unprofesional Credit bueraue allows this nonsens
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Anonymous
1 reviews | Active since Jan 2020
16 Apr 2026, 10:38
they allow creditor to reload prescribed debt
this ITC Company has allowed the account which has legaly prescribed which was resolved in my favour to reload without the company produce the proof that disturbs the prescriobtion and i have queried this with someone name Kefilwe Mamabolo and has not rep**** and other credit bureus have removed and close that account only this unprofesional Credit bueraue allows this nonsens
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Anonymous
1 reviews | Active since Jan 2020
1 Apr 2026, 14:47
Debt Review Flag Still Active Despite Clearance Certificate
cleared my debt review on 9 February 2026, and all required documentation was sent to XDS on 11 February 2026. Despite this, my credit profile still shows an active debt review flag. Whenever I contact XDS, I am referred back to my debt counsellor, as all communication and documentation are managed through them. Meanwhile, this error is negatively affecting my credit profile and my ability to access credit. I have escalated this matter to the National Credit Regulator and the Information Regulator, but the issue remains unresolved. XDS must update my credit profile immediately and provide a clear explanation for the delay. This ongoing inaccuracy is unacceptable. Proof of clearance and prior submissions is available.
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Anonymous
1 reviews | Active since Jan 2020
1 Apr 2026, 14:47
Debt Review Flag Still Active Despite Clearance Certificate
cleared my debt review on 9 February 2026, and all required documentation was sent to XDS on 11 February 2026. Despite this, my credit profile still shows an active debt review flag. Whenever I contact XDS, I am referred back to my debt counsellor, as all communication and documentation are managed through them. Meanwhile, this error is negatively affecting my credit profile and my ability to access credit. I have escalated this matter to the National Credit Regulator and the Information Regulator, but the issue remains unresolved. XDS must update my credit profile immediately and provide a clear explanation for the delay. This ongoing inaccuracy is unacceptable. Proof of clearance and prior submissions is available.
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Anonymous
1 reviews | Active since Jan 2020
31 Mar 2026, 21:17
XDS/Splendi retaining fabricated mortgage payment history — dismissed dispute twice — NCR and Information Regulator complaints active
XDS (via Splendi) is retaining inaccurate adverse payment history for Nedbank Mortgage Account 8002073672801, which was closed by High Court judgment (Case No. 10447/20, Western Cape) in 2020. The property was sold in execution and transferred 8 December 2025. No credit agreement exists. No instalments are due. XDS's profile shows: December 2025: late payment marker — fabricated. Any credit in December 2025 was the Sheriff distributing court-ordered sale proceeds. Not a consumer payment. January 2026: write-off marker — fabricated. The R3,034,532 is a post-judgment shortfall. Not a new default. Not consumer payment conduct. Arrears R3,034,532 and instalment R34,334 — both imply an active credit agreement. None exists. I lodged a formal dispute on 18 February 2026 (Ref: CDF-52731). Splendi first closed it incorrectly on 6 March 2026 saying "the account is closed on sold debt" — missing the point entirely. My complaint is about fabricated payment history, not account closure. When I re-engaged, Splendi offered a "20-day notice" investigation — a process for a different right under a different regulation. I declined, as my rights under section 70(2) NCA do not require XDS's permission or an internal investigation process to be exercised. XDS has still not removed the adverse markers. I have lodged NCR Form 29 complaints against XDS and Nedbank, and a POPIA complaint with the Information Regulator (Ref: POPIC20261106). Deadline for correction: 30 March 2026. No substantive response received.
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Anonymous
1 reviews | Active since Jan 2020
31 Mar 2026, 21:17
XDS/Splendi retaining fabricated mortgage payment history — dismissed dispute twice — NCR and Information Regulator complaints active
XDS (via Splendi) is retaining inaccurate adverse payment history for Nedbank Mortgage Account 8002073672801, which was closed by High Court judgment (Case No. 10447/20, Western Cape) in 2020. The property was sold in execution and transferred 8 December 2025. No credit agreement exists. No instalments are due. XDS's profile shows: December 2025: late payment marker — fabricated. Any credit in December 2025 was the Sheriff distributing court-ordered sale proceeds. Not a consumer payment. January 2026: write-off marker — fabricated. The R3,034,532 is a post-judgment shortfall. Not a new default. Not consumer payment conduct. Arrears R3,034,532 and instalment R34,334 — both imply an active credit agreement. None exists. I lodged a formal dispute on 18 February 2026 (Ref: CDF-52731). Splendi first closed it incorrectly on 6 March 2026 saying "the account is closed on sold debt" — missing the point entirely. My complaint is about fabricated payment history, not account closure. When I re-engaged, Splendi offered a "20-day notice" investigation — a process for a different right under a different regulation. I declined, as my rights under section 70(2) NCA do not require XDS's permission or an internal investigation process to be exercised. XDS has still not removed the adverse markers. I have lodged NCR Form 29 complaints against XDS and Nedbank, and a POPIA complaint with the Information Regulator (Ref: POPIC20261106). Deadline for correction: 30 March 2026. No substantive response received.
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