Capitec Bank - unfairness

Hallo Peter, it took me few months before I could write this to you as i was still not sure whether to share my experience or not, but thought this through and think it can help others and maybe me. I was very saddened and disappointed by Capitec as I have been a client for several years and took loans which i paid well until June 2019 when my card was cloned. I didn't have my phone with as i forgot it at home. It was after working hours and had just got paid my salary. I went to eastgate, i was in a hurry and just wanted an atm. So i went to withdraw at absa there were no queues. As i was waiting there were two guys on two atms and they both told me the first atm is not working and seeing the machine was out of order I didn't suspect but just waited for them to finish so that i could withdraw. I went immediately after one left but he came back as if he wanted to take his receipt from the same atm machine i was using i clapped his hand and he left. My card was already inserted. I punched in my pin and nothing went on i tried cancelling and still. My card wouldn't come out. I waited by the atm for atleast 20 minutes then the security came and said i should go get any receipt from capitec and call the number. I went to capitec atm but couldn't find reciept and on the small phone i had i didn't have airtime nor money to go home. When i got home i blocked but it was already late my whole salary was withdrawn and swiped. I blocked the card and in the morning when i reached the office i called capitec to let them know what had happened to me and explained the whole story. Capitec didn't ask for any affidavit or statement from the police nothing whatsoever. The first consultant only told me she knows the cloning is happening and that she'll investigate. After few days she called and said they can only pay me R250 only as I had given my pin to strangers but that was not case. I didn't give any stranger my pin. I didn't even know about the cloning but would never give my bank account pin to anyone ever. So i told the lady i am not happy with the outcome and will lije to take it further she gave me the number and i did call and request for reimbur*****t. The guys who the matter was escalated to also after few weeks came back to me and said capitec wont pay me bacause i gave my pin to someone even though i told them i had not done so. I was furious with Capitec i thought by coming straight to hellopeter would be irrational as i was still traumatized and disappointed but after these months i still think capitec was never fair to me and that I had alwayd been a good client that when i experience an ordeal and problems like this they do not care at all. My salary was taken, I struggled for the whole month had to borrow money for me to feed my family and come to work. I still believe that Capitec should pay me the money that was cloned and wish that hellopeter could help me in this matter.

Thanks and Regards, Tears Mokoena