Bad bank

I have come to the conclusion it does not matter how innocent you are and although you have been ****med by Capitec's ATM you are the person being hold accountable for being negligent and that the bank as well as their ombudsman will not refund you. Their concern is that I did not report the ********** transaction before it happened and my question is how can you report something when you are not aware that it is going to happen to you???