CAPITEC IS A ****!!

On 06/01/2025 a transaction amount of R750 went off from my account (see screenshot attached). I immediately notified Capitec bank of this and the consultant I spoke to advised that the transaction does seem to be *****ulent because it was a "point of sale" transaction. The screenshot of this transaction purely states that it was a card purchase from a Stellenbosch till point. I live in Soweto, this transaction occurred while i was at home. Joshua is the consultant I spoke to. He then further advised that my card has been blocked and a case will be logged with the relevant department for further investigation which may take a maximum of 30 days. I was not provided with a reference number nor any written acknowledgement, I was advised I will be contacted telephonically.

On Monday 13/01/2025 a Capitec consultant called me to advise me that the money cannot be refunded because I am responsible for this transaction. I asked her to confirm where this sale occurred, if she can mention the name of the store or establishment and she said the bank cannot tell, they do not have that information she can only quote the reference of the transaction where she also sounded uninterested and unwilling to assist.

I was advised to open a case at the police station, I do not need to forward any further documentation to Capitec, The matter will be dealt with by the police which honestly baffles me. If the bank cannot assist me, how can the police?

I honestly do not feel like this matter was dealt with thoroughly by Capitec Bank because I do believe this was indeed a *****ulent transaction and that my card has been cloned because I have not lost my card nor my ID so how can a card purchase happen somewhere else when i have my bank card with me and the consultant, Joshua also asked if I had lost my card and I advised no, I have my card with me right here right now.