Disappointed customer. Capitec Banking App Hacked and Money ****** then Fruad department says the money will not be paid back into my son's account.

I write this review with a very sore and frustrated heart. My son a third year student at the University of Mpumalanga recently received all his outstanding allowances from 2024 in his capitec bank account amounting to a total of R32 000 which included 2 months rental fee for his accommodation of February and March 2025 no 1 April, and on the 2 April just before 12:00 someone hacked his banking app and all the money was ******, he did open a ***** case immediately and even a police case was opened. Then on 15 April he received an email from Capitec ***** department saying that they are closing the case because they could not trace back the money and capitec will not be able to pay back the money into his account. It is not his fault that capitec' system can be easily hacked, and my biggest question is, How can they say that when it is clear that it's their employees who stole them money and also does this mean that customer's monies are not insured? Somebody please help me understand this because this issue is eating my son alive and he is just a student who cannot even afford a lawyer to take on capitec.