Avoid Capitec if you can!!

Avoid Capitec if you can!! They do not look out for their customers money. I was subject to a ***** **** and had R1700 ****** out of my account. This was in the form of an online transaction. (As I now understand this is quite a well know **** in the courier industry and banks should also be well aware of it. Banks should therefore take the neccessary steps to stop/avoid it from happening). I was awaiting a package, and the ****mers sent me an SMS which said that I need to pay R4 for the package to be released. Upon clicking the link I was redirected to a site which appeared legitimate. I entered the required fields, and within minutes I had R500 and R1200 deducted from my account. I immediately went to a Capitec branch and asked them to reverse these *****ulent amounts. I was informed that they first had to launch an investigation and that I might or might not get my money back. For this service I had to pay an additional R85. I never heard a word back from Capitec. Eventually I contacted them on Capitec Whatsapp, only to be informed that this was Card Swipe and Pin transaction and therefore they could not do anything about it. I was given a number to call, from which I got the same story. Now the strange bit, I was sitting in my office in George in the WC and got an SMS at 10.59, I followed the online prompts and at 11.06 the transactions went out of my account...... wait for it......... my card supposedly swiped in Jhb!!! For a swipe transaction you need to have a card and a pin as far as I am aware, for security purposes this is why banks issue cards. My card would need to have been cloned and all of this took place in 6 to 7 minutes and 1200km apart. To my mind there has been a breach in bank security or even worse, there may be inside help for an individual inside of Capitec. How does one expain the cloned card 1200km away within 7 minutes. My questions are; How can Capitec not do the immediate reversal when reported? How can the card be cloned 1200km away? Why do Capitec not respond, and charge a fee for the dis-service? When I called again today I was made to hold 35 minutes (I have the screenshot as proof), and nobody reappeared to the call. Is this a strategy to avoid dealing with issues? Today I get a new Ref No. and told I will be contacted within 2 weeks (I'm not convinced that I will be contacted at all - same as before) Disgusting, slow, non-responsive, don't get all the facts, take the low road, so that the customer must take the loss and the bank has no expense to sort out nor investigate the real issues. The result - I, my husband, my sister will be leaving Capitec and I will warn as many people as possible, to avoid these banksters who are happy to take your money, but not take care of your money.