Caputec and Ombudsman is an epic fail

On the 11th of November, I experienced an attempted hijacking. I luckily managed to drive off even though the perpetrators held a gun to my window. The other guy managed to run away with my phone. The loss of my phone resulted in my a loss of R100 000 in my Capitec account. When I notified the bank they told me that they will investigate what transpired in my account. The bank then did their investigation and they claimed that I had divulged my password to the ******* and that they will not give me back my money. I then contacted the Ombudsman and they gave Capitec 20 days to do their investigation and then revert back to the Ombudsman. When they (Capitec) returned back to the Ombudsman, their finding was that they will not pay me back my money. They claim that I shouldn't have allowed the ******* to take my phone. Andre from the Ombudsman just copied and pasted Capitec's finding into a feedback letter to me. He then proceeded to close the case.

I am now under the impression that the Banking Ombudsman is seriously a dog with no teeth. They truly do not have the consumer's best interest at heart. I am truly disappointed that I lost so much money under the bank's watch.