Bogus money

So the banks have bogus policies in place.

I drew money from my account on the 28th, not noticing I have a torn 200 note among the other notes. Tried to pay with the money, stores obviously refused to take it, I went back to the same bank where I got the note, or the ATM outside the bank on the 2nf of July. They could not change it, because they need the incident reported with in 24 hours ... So I want to know, is this something anyone's bank has ever made them aware of ... Probably not.

This is unfair, because I trusted capitec to not supply me with torn notes, and somehow I end paying the price, because I had a life and other things to do, instead of stopping my life and running back to the bank.

And this is not the first time this happened.