Card ***** with no refund

Okay, I work at the SABC and I'm a client to Capitec. On the 28 of May I got paid and I only withdrawn R100 from the bank so I can get to work. Around lunch time, I went out spent R219. 00 and I had a debit order of R198. 34

THAT'S the only money I spent from my account. Later after work, I go home. While I'm on my way at Germiston I wanted to withdraw R100, tried different capitec banks to no avail. I saw Absa Atm at Golden Walk outside mall. Tried to withdraw money, yet the Atm swallowed my card. To make matters worse, my phones were off. So I could not call or go into my capitec app to stop the card. I run home, at Castleview. Which is about, 30 t0 20 min drive. I get home, charge my phone. Well when I switched my phone I receive notifications of withdrawals and purchases. From R1500.00 from FNB at Germiston, Purchase of R3000 at Menaco Trading at Germiston, R300 at the same and withdrawal of R120 at Johannesburg. This was a clear indication of Card *****. Looks like the *****s had tempered with the bank I tried to use and they were able to get hold of my card and Pin, hence they were cleaning my account.

I stopped my card with the Capitec App, since my phone was on and been charged. I further call capitec, they were able to detect this transactions and I told them it wasn't me. They logged a request for investigation and and gave me a reference no. I tried to call them again, they gave me a reference no. I asked what does it happened afterwards? They say they will invistigate and come back to me. I called then the following day at work. They said they haven't started with the investigation and would allocate an agent for my quiry.

Well, I waited and waited. They said I should wait for 8 or 5 working days.

Clear that I want a refund because it's clear that I'm not the one who made this transaction and I'm even struggling with money to go to work. My debit orders didn't even had a chance to get their money.

As a client, I need to be protected from such.

However, today I received a call from one of capitec agents. She ask me what happened? I had to explain the whole situation again and she said it is clear that this ********* tempered with the bank and were able to retrieve my pin. However, in such situations they can't refund me.

My thing is WHY say I should wait for 8 or 3 working days

WHY say you're investigating

What were you looking for

Why should I wait for your call to tell me we can't refund

As a client, I expect to be protected. I'm not the first one to log such claim and I'm not the last one. *****s and card ********* are walking around ******** people. This is a reality in South Africa. Yet we have banks that knows and yet does nothing. Even when they can clearly see that this was a case of card *****.

Tell me Capitec you're were investigating to tell me that yes we can see its card *****, we are sorry for your loss and unfortunately we can't do nothing. Should we bank with you? Stop lying to us with adverts saying you're the best bank to bank with, yet when we are in distress and calamities yet you can't protect and help us.

All you guys care about is us banking with you. When we face such, you then say it's our fault. How many cases do you solve. I bet if you were doing the right thing and putting the client first as interest . You'd be getting a better review

I think, it was the last time I'm using capitec. I know it's not your fault, but I expect better. As much as you lure us with adverts. At least give us the best service of protection. Show that you can stand for your clients. You can refund and extent a hand of help, instead of making money with our R1 and interests. I've been a client of Capitec and I'm sure I've made you money, but when I need help with refund

I get I'm sorry for you loss, unfortunately we can't help you