Capitec - no protection against *****

I sold an item on Gumtree, in order to feed my kids for the rest of the month. Yes, i was ****med. The Payment Notification from Capitec even included their Helpline Number. What is Capitec doing to prevent *****? Can anybody use your details for a Payment Notification? ****s get sent out not using Pin Numbers etc, which is more than obvious. But to send out an Instant Payment Notification, with Capitec details. Who will re-reimburse me the R4000 i need to feed 3 children. Telephonically i was just told, it's a ****.