CAPITEC *****S MONEY

Yesterday I did an immediate payment from Capitec to standard bank, paid the immediate payment fee but i have not received my money. I have called their call center in excess of 50 times since 9pm last night to tell me that immediate payment altho we are billed for it, can sometimes take up to 24 working hours to reflect. But we are still billed an immediate payment fee, and if in an emergency and i need the funds reversed i have to pay a fee of R300 and wait 7 days for my money. Upon telling team leader Sumaiya Sallie that i was stranded outside a nightclub alone and with no funds as i had been ******, and i needed the cash to get home, i was told she could do nothing at all... She then proceeded to pretend like she could not hear me and cut the call... at 1am i was given a proof of payment and told that the funds had been transferred, up to now it is not in my account. Upon calling capitec this morning i was told a missing funds complaint will be lodges and i would have to wait 7 days... needless to say this service is pathetic. I use capitec for my business banking and will no longer do so... So how many immediate payment fees has capitec collected without effecting immediate payment and how many small payments have been made and gone missing without us being aware. I am now taking this up with the Ombudsman.