Capitec bank *****sters bank.

This is by far the worse experience I’ve ever had with a bank. On the 19 of December 2025 - I used the gautrain and paid via tapping using my phone. I legit left from Hatfield to Midrand (off peak) which is about R62. I tapped out again on upon my arrival and the transaction was successful. On the 22cnd I received a notification whilst inside my home telling me that R260!!!! Has been deducted from my account. Shocked by this notification I immediately called Capitec and they blocked my card and advised me to go get a new one which is what I did. I was told a case would be opened and it was and I was given a case reference number. I was told to wait 7-14 days pending investigation. Capitec did not get back to me nor give me updates and the time period had lapsed so I decided to go to my nearest branch. To my surprise the bank consultant told me that my case was closed and after I explained everything to her and sent physical proof (in which I will be posting to warn others about this dangerous bank). She then sent it to there head office and said another case has been made and I should wait another 7-14 days. Tonight I received emails telling me that the case is closed and that I did not report the matter in time there’s nothing that they can do since the money was removed from the Capitec bank which is still a point that I’m struggling to understand since the gautrain business is a large company and I doubt their main bank is Capitec. I’m so frustrated with this Capitec bank that its so repulsive. I was told they would investigate and speak to the gautrain station and if I’m telling the truth they would get my funds back to me or charge me 50 for not telling the truth basically (cause they wouldn’t have found the funds). All the proof was right in front of them the entire time- from my screenshots to my bank statement. Now they have the audacity to tell me that I was right but they can’t do anything about the funds. They also state that I didn’t report the incident in time which is a lie and on their part took too long with their investigation that they blamed they 10 year customer. This relationship has broken down immensely and I won’t be spreading lies to customers that I come across. My very experience will be echoed across all platforms loudly because no one deserves for their money to go missing or ****** and not be held accountable nor want to take responsibility. I highly recommend a bank that knows what it’s doing. We work too hard to have Capitec bank misappropriate our funds without compensation.