CAPITEC BANK APPROVES ********** TRANSACTIONS

I just came back from a vacation of celebrating my husband’s 60th birthday. I should be reminiscing of the great time we had on the trip, but I am unable to do that. This is all *****ed by the incompetence I have received from what I trusted to be my bank, a bank for the people. I was on vacation in Cape Town with my husband, a friend and her husband who were also on the trip to celebrate the husband’s 60th birthday. On the 27th of October 2021, we went out for dinner at a restaurant in V&A. We settled our bills. On 30th October 2021 during the day my friend received a call from her Bank (non-Capitec) that a suspicious online transaction was being made on her account, so verification was required. She confirmed that it was not her and her funds were secured. Little did I know the same thing was happening in my account at the very same time. Due to lack of pro-active systems, My bank Capitec did not notify me in any form that they were tracking suspicious transactions. It was only in the afternoon on the 30th October 2021 when I checked my balance that I realized that 18 transactions amounting to R2899.78 we ran on my account .I quickly rushed to block my card on the ATM, which is not an available option, I tried to call all ***** line numbers I could find on the web and the ATM, but no one picked up. It was through the help of my son that I managed to block my card to secure what was left of my funds. I have since went to the bank to report the ********** transactions and I am now told that I would be charged 15 transactions @ R80 Per transaction out of the 18 transactions which amounts to R1200 to reverse each transaction, also, an investigation would be initiated. I really don’t understand why all of this must fall on the customer’s side. Other banks are monitoring suspicious transactions with diligence, Capitec just sits and leaves that to the customer. Secondly, how come all the 15 transactions charges fall on my end when there’s a ********* out the skimming people’s cards. Should this not be sorted with the Merchant who initiated the transactions as this looks like a coalition. I am very disappointed with Capitec and if this is not resolved I am taking it to the Ombudsmen. I Would not advice people to bank with the institution if this is the service they provide to customers.