Capitec Bank

What a huge disappointing feedback I had. I withdrew money from a Capitec ATM and didn't realize that it was torn. Now that I wanted to use it I couldn't. I went to a Capitec branch to report it and to my surprise I was told that I should have done so within 24hrs. They logged a case with their head office and told me to wait 7 days for feedback. I waited and waited...... Today I went in to the back again and they told me it was approved I have to wait till they notify me which branch I can go and exchange the torn R200 note. To my surprise I get an sms stating that it was declined due to the fact that I reported the matter after 24 hrs. I am seating hear with a note that I as your client withdrew and I can't use. Is it my fault???? Capitec I am really disappointed and angry at the fact that you guys don't want to assist me....... You have failed me for the last time.... you have lost a client!