Bad service

Bad experience with a torn R100 note,i am a Capitec client for 3years and they denied to take in my R100 note that is torn and still has the monetary numbers on both torn parts.They told me they cant assist me because whatever happened to the R100 note ain't now their problem,but I thought as they are my bank they would assist or refer me to the nearest reserve bank for exchange but they said sorry we cant help you.So should I throw away the value of 100 notes because of a bank that doesn't wanna assist or what?