Capitec has no recourse for card *****

My capitec card got swallowed by an ATM and i called to block it, while busy on the phone with their consultant R4000 went out of my account in another area. I went to the branch and called the call centre they told me there's nothing they can do, clearly my card was cloned as it would have been physically impossible for me to be in one place and withdraw in another. So this mean Capitec has no recourse whatsoever when their clients suffer a loss due to *****, really disappointing. They obviously don't care about how easy it is to clone their cards as they don't carry the loss but the client does.