Capitec won't help you when you are ****med!

On 18 May, I paid R3700 for goods via EFT to a Gumtree seller. The goods were never delivered as promised, so I contacted Capitec the next day for assistance in reversing the transaction. I had provided Capitec with my affidavit and SAPS case number and sent multiple emails stating that the evidence of my communication with the seller was available on request. Capitec opened a case for me (ref ***4), but only today was I informed that the seller had already withdrawn all the funds from their bank (African bank), so Capitec could not help me. Of course a ******* is going to withdraw all the funds immediately! Since I contacted Capitec quickly and within a reasonable timeframe, what the seller does with the funds is not my concern. As expected, SAPS is even slower to do anything, so surely Capitec should refund me the money and pursue recovering the funds with African bank? As soon as I realised I was ****med, I did everything correctly, but now I have to also be stressed about incurring the loss myself with no consequences for the ******** party? Come on Capitec, I thought you were better than this.