Capitec doesn't refund for unathorised transactions

<p>I went to withdraw money at Capitec ATM. My card didn't come back and R14000,00 was withdrawn from my account. I went to Capitec Branch same time to report the incident and was given a reference number. However, the bank refuses to refund the amount, saying that I must have known and reported immediately. I even sent my complaint application to Banking Ombudsman, but still no help. I am very frustrated by the bank's refusal. I am worried that even more money might disappear from my account in the same way. I'm asking myself what kind of a bank it is since they can't even give me half.</p>