Banks downtime becomes customer problem

<p>On Sunday 18/12/2016 attempting to pay for purchases at PNP my pay point transaction was declined (despite sufficient funds in the account). Attempting to withdraw cash at the Capitec ATM machine, Standard Bank ATM & FNB ATM to pay for the purchases was declined (despite sufficient funds in the account). Leaving me with no option but to use funds from one of my other accounts to pay for the purchases. What if I did not have any other cash or bank account? What if I was on route somewhere and had to fill up my car with fuel? On my way home I got an sms showing 'withdrawals'. At no point did the machine dispense any cash and declined the transaction. One 'withdrawal' was reversed, the second one not. I notified the Capitec Customer Service Centre of the incident expressing my dismay with the inconvenience and embarressment due to their system/service being offline. I provided them with the details and confirmed by checking my balance that the second transaction was not reversed into my account. I was told that they would escalate the matter to be investigated and that it could take anything up to 31 days before the second transaction would be reversed and the funds would be put back into my account. This is unacceptable! I cannot see why Capitec's offline problem has now become my problem and that I have to wait 31 days for them to rectify the situation and reverse the funds (I never withdrew/received) back into my account. Nor am I impressed with the embarrassment I had to endure standing at the PNP Cashier unable to pay for my purchases despite having sufficient funds in my account. </p>