Common complaints
- An incorrect credit-bureau listing
- A disputed balance, interest charge or collection fee
- Harassment or unlawful collection conduct
Credit and Debt Collection Complaints in South Africa
Is a debt collector harassing you or demanding the wrong amount? Know your rights, put the complaint on record and see when to go to the NCR or the NFO.
What this complaint route covers
Complain about credit agreements, incorrect listings, disputed balances, collection fees, affordability assessments or unlawful collection conduct. First complain directly to the organisation or public body, keep every reference number and state the fair outcome you want.
Evidence to prepare
- Credit agreement and statements
- Current credit report
- Collector notices, recordings and correspondence
If it is not resolved
Escalate to: National Credit Regulator, Credit Ombud or National Financial Ombud.
Your Complaintshub timeline and the organisation's replies can support the escalation.
How to make the complaint count
1. Set out the facts
Give dates, amounts, references and a short timeline. Separate what happened from what you assume.
2. Ask for a clear remedy
Explain whether you want a correction, refund, repair, explanation, restored service or another reasonable outcome.
3. Keep private details private
Do not put identity numbers, bank details, medical records or private contact details in the public summary.
4. Track the response
Use your account to see status changes and responses and to confirm whether the matter was resolved.
Supporting evidence remains protected. Publication follows the moderation policy, and formal rights and time limits continue to apply.